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Assets Securitization and Its Application Dealing with Non-performing Assets of Industial Bank CO. LTd

Author: WangLiangJie
Tutor: YangShengGang
School: Hunan University
Course: Business Administration
Keywords: Assets Securitization Non-performing Assets Commercial Banks
CLC: F832.2
Type: Master's thesis
Year: 2008
Downloads: 194
Quote: 0
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Abstract


Non-performing Assets is a difficult problem for international banking, and it is quite serious for domestic commercial banks, which affects the reformation of banking, the normal operation of commercial banks and enterprises, and becomes hidden trouble of finance industry. Securitization, as a special disposal of non-performing assets, with its low-cost, structured finance, and operation has been attended.The theories on Assets Securitization started in America, and have been studied widely and deeply in Western Countries; the related documents can’t be counted. In recent years, many researchers have begun to attend Assets Securitization, the related regulations and laws have been perfected and quite a few commercial banks include Industrial Bank CO. LTD have securitizes their credit assets.Assets Securitization must be based on its definition, principles and operating mechanism. The principles of Assets Securitization can be generalized one core principle and three basic principles, and the core principle is cash flow analysis, the basic principles include portfolio, risk segregation and credit enhancement. The operating mechanism of operating mechanism involves trade structure and its participants, operating procedure, modes and contents.Non-performing Asset is defined with sub loans, questionable loans and loss loans in domestic commercial banks. In recent years, Non-performing Asset in domestic commercial banks has been controlled, but can’t be neglected, and we should search the reasons of Non-performing Asset and use for reference of existing disposals. The analysis indicates that Assets Securitization is necessary and feasible to depose Non-performing Asset for domestic commercial banks.In spite of the difficulties such as absence of laws, construction of assets pool, credit appraise, securities valuation and scarcity of institutional investors, based on use for reference of experience, Industrial Bank CO. LTD may design the scheme to securitize Non-performing Asset, and the main steps include difficulties of trade structure, construction of assets pool, securities valuation, credit enhancement and the related arrangement of issuing.Many difficulties in designing the scheme to securitize Non-performing Asset for Industrial Bank CO. LTD, is common for all domestic commercial banks, and should adopt many countermeasures to promote Assets Securitization.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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