我国商业银行信贷资产证券化的研究浅析  

The Research Analyses on the Securitization of Credit Assets of Chinese Commercial Banks

作　　者：雷萧宁 LEI Xiaoning(School of Economics and Management,Hebei University of Technology)

机构地区：[1]河北工业大学经济管理学院

出　　处：《商展经济》2021年第20期50-52,共3页Trade Fair Economy

摘　　要：当前,很多商业银行的信贷产品发展模式在市场的需求下发生了新的转变,其中非常热门的是银行信贷资产证券化的试行,这一模式结合了信托模式,给银行带来了新的发展机遇。与此同时,也会产生诸多风险因素,银行信贷资产证券化发展模式的安全性和稳定性难以保证,本文结合当前商业银行资产证券化的现状和面临的风险进行具体分析,针对产生的问题提出相应的优化对策,以期为商业银行的整体管理发展提供帮助。At present, the credit product development model of many commercial banks has undergone new changes in response to market demand. One of the most popular is the trial implementation of bank credit asset securitization.This mode combines the trust mode and brings new opportunities for the development of banks. However, at the same time, there will be many risk factors, and it is difficult to ensure the security and stability of the development model of bank credit asset securitization. This paper analyzes the current situation and risks of asset securitization of commercial banks, and puts forward corresponding optimization countermeasures for the problems, in order to provide help for the overall management and development of commercial banks.

关 键 词：商业银行 信贷 资产证券化 发展模式现状 对策 

分 类 号：F830.33[经济管理—金融学]