中小商业银行信贷资产证券化优化资产结构探析

中小商业银行持续较快发展受资产结构的影响和制约越来越突出,时下正在推进的信贷资产证券化业务为其优化资产结构提供了一条新路子。中小银行探索信贷资产证券化,有利于改进资产的流动性结构、盈利性结构和信贷结构,提高资产使用效率及资本节约,被释放出来的资本可用以支持资产结构优化。中小银行开展信贷资产证券化业务有着诸多有利条件,但必须防范战略风险和信用风险。

Analysis on Optimizing their Asset Structure by Credit Asset Securitization of Small-and-Medium-Sized Commercial banks

The sustained and rapid development of the small-and-medium-sized commercial banks have been affected by their asset structure increasingly prominently, but credit asset securitization which is now advancing in our country, provides a new way for the small-and-medium-sized commercial banks to optimize their asset structure. For the small-and-medium-sized commercial banks, credit asset securitization is helpful for improving the asset liquidity structure, asset profitability structure and credit structure; is helpful for in-creasing the service efficiency of asset and saving the capital which can support the asset structure optimization. The small-and-medium-sized commercial banks have many favorable conditions to carry out credit asset securitization business but they must guard against strategic risk and credit risk.