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论文编号：	8297
作者编号：	2120132758
上传时间：	2016/6/7 11:06:25
中文题目：	商业银行的中小企业信贷资产证券化应用研究
英文题目：	Research on the Application of SME Credit Asset Securitization of Commercial Banks
指导老师：	王永进
中文关键字：	信贷资产证券化；中小企业；商业银行
英文关键字：	Securitization of credit assets; SME;Commercial banks
中文摘要：	2005年我国正式开始进行资产证券化试行,国内资产证券化发展困难。2008年美国次贷危机后，试行工作暂停。2012年，国内整体经济形势有所好转,资产证券化被重新启动。在此之后,央行一直在大力推进资产证券化，不仅仅局限于简单的试点和扩大试点，而是加快发展、重点发展。2013年9月，国内尝试增加信贷资产证券化试行并推动其常规化发展。当前，国内资产证券化的基本规则已经确立，证券项目发行和证券转让稳健。但是中小企业信贷资产证券化的发展相对其他金融产品有所滞后。本文希望通过研究资产证券化这一金融衍生工具，为当前银行为中小企业贷款发展受限讨论出一套可行的思路。第一步,本文从资产证券化的原理入手,论述了资产证券化的概念、起源演进和基本理念以及商业银行信贷资产证券化的运行机制，系统阐述信贷资产证券化的意义和国内、外推广情况。其次，阐述了商业银行中小企业信贷资产证券化的含义和开展的意义以及业务的基本流程，分析了该项创新业务对于我国中小企业发展的巨大作用。第二步，以国内SH城市商业银行开展中小企业资产证券化的产品研发为例，讨论开展该项业务可能性，中小企业信贷资产证券化业务的收益和相应的责任，寻找我国商业银行开展中小企业信贷资产证券化中存在的问题，并从中此得出国内商业银行中小企业信贷资产证券化的启示。最后,文章指出前面的案例研究指出国内现阶段商业银行开展中小企业信贷资产证券化过程中存在的难点,并从相关角度梳理出了一些思路。
英文摘要：	In 2005, China officially began to set up the pilot projects for asset securitization, asset securitization in China has underwent a meandering development. After the financial crisis in 2008, the pilot projects for asset securitization had been suspended.In 2012, with the development of the economic situation , the government re-open the asset securitization pilot. After this, the central bank in China has been vigorously promoting the asset securitization, Not only limited to set up the pilot and expand the pilot, but also to accelerate the development. August 2013, China's further expansion of credit asset securitization pilot and promote the development of its conventional.At present, the basic system of asset securitization in our country is initially established, and the operation of the product is stable.But the development of credit asset securitization of small and medium enterprises is lagging behind other assets.This paper hopes to study asset securitization of the financial innovation tools for the Commercial bank to provide solutions for the development of small and medium enterprises. At first, the paper begins with the theory of asset securitization,talks about the definition, origin, development and basic theory and commercial bank credit asset securitization operation mechanism, systematically expounded securitization of credit assets of the significance and development status at home and abroad. Secondly, it expoundsthe basic process of the business and the meaning of the credit asset securitization of the commercial banks. Analysis of the great role of this business for the development of small and medium enterprises in china. Then I take SH Bank as example , carry out the business feasibility and SME credit asset securitization business income and the corresponding risk to carry out the problems and draw the Enlightenment from this. At last, this paper points out the problems existing in the process of credit asset securitization of commercial banks in China at present, and puts forward some suggestions on the basis of the previous case analysis.
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