摘要
商业银行信贷资产证券化业务是我国一项新兴业务,2016年,我国资产证券化规模突破万亿。与此同时,也存在着诸多问题,如信用评级缺乏权威性、信息披露不充分等。解决这些问题对于商业银行信贷资产证券化业务发展至关重要,对于我国金融市场稳定及经济发展也非常关键。以江苏银行2014年发行的第一期信贷资产支持证券的案例为研究对象,论述我国商业银行在开展这项业务时面对的主要风险、风险管理办法及实施的具体措施。最后,结合我国当下金融市场的实际发展情况,提出有关规避和防范商业银行信贷资产证券化风险的一些政策建议。
Securitization of Credit Assets of Commercial Banks is a new business in China.In 2016,the development momentum of asset securitization market is still fierce, the scale up to one trillion. However, as the development of China's credit asset securitization is flourishing,there exposed many problems. this article analyzes the case of the first issue of credit asset-backed securities issued by Jiangsu Bank in 2014,this paper describes the measures taken by China's commercial banks in dealing with the risk of credit asset securitization. Finally,the author puts forward some policy suggestions to deal with the risk of credit asset securitization of commercial banks.
出处
《经济研究导刊》
2018年第18期67-70,共4页
Economic Research Guide
关键词
商业银行
信贷资产证券化
风险分析
风险防范
commercial bank
securitization of credit assets
risk analysis
risk prevention
