论文部分内容阅读
信贷资产证券化是以信贷资产(基础资产)未来现金流作为偿付支持,在资本市场上发行有价证券的结构性融资行为。中国银行业自2005年开始推行资产证券化业务试点。本文在梳理国内外信贷资产证券化发展情况的基础上,深入探讨了信贷资产证券化对商业银行的影响,以南充市商业银行为例进行实证分析,进一步反映了信贷资产证券化业务对于中小型商业银行在提高资金流动性、提升盈利水平、改善资产负债结构方面的积极影响,并结合我国实际情况提出了政策建议。
Securitization of credit assets is the structured financing behavior of issuing securities in the capital market with the support of the future cash flow of credit assets (underlying assets). Since 2005, China’s banking sector has piloted an asset securitization business. Based on the analysis of the development of securitization of credit assets both at home and abroad, this paper explores the impact of securitization of credit assets on commercial banks, and takes Nanchong Commercial Bank as an example to conduct empirical analysis, further reflecting the credit asset securitization business for small and medium sized Commercial banks have positive influence on improving capital liquidity, raising profit level and improving asset and liability structure, and put forward policy suggestions according to the actual situation in our country.