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Research on Credit Asset Securitization of Commercial Bank

Author: ZengMinYi
Tutor: SunJianQiang; FuYingRong
School: South China University of Technology
Course: Project Management
Keywords: Credit Asset Securitization Credit Rating
CLC: F832.4
Type: Master's thesis
Year: 2013
Downloads: 109
Quote: 0
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Abstract


Credit asset securitization restructure the credit assets which are less liquidity now buthave cash flow in the future (such as bank loans, corporate accounts receivable and so on) toan asset pool, and distribute the securities. China’s Bank credit asset securitization pilot beganin2005and by the end of2008, credit asset securitization pilot issued all types ofsecuritization products totaling667.85billion yuan. After2008the global financial crisis, ourgovernment suspended the credit asset securitization pilot. In May17,2012, the People’sBank of China, China Banking Regulatory Commission and the Ministry of Finance jointlyissued “The notice about the further expansion of credit assets securitization pilot". InSeptember7,2012, the CDB has opened the new prelude of credit asset securitization by the101.66billion yuan ABS product. This background also renewed the study of bank creditasset securitization.Combining the three case of J bank and K bank, this paper researchs the essential factorsof credit asset securitization, including the asset pool, the implement process, the Issuingmodem, the credit evaluation and enhancement system. First, paper reviews the credit assetsecuritization business development of China’s banking industry; secondly, transversely andlongitudinally analyses the operation process and evaluatioxn system of credit assetsecuritization business with two products of bank K and one products of bank J. Finally, basedon the case analysis, paper summarizes the development trend of commercial banks creditasset securitization products, and put forward some corresponding suggestion.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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