我国商业银行开展资产证券化的对策研究

随着银行不良资产绝对数量的增加,央行加强对商业银行提高存款准备金率、加强资产流动性和分散资金风险的管理,以及银行贷款利率空间的扩大,我国商业银行等金融机构推行资产证券化的呼声越来越高。在这一背景下,本文针对我国推行信贷资产证券化提出了更新经营理念,加快信贷资产证券化进程;加强和完善立法工作;规范发展资产评估业和信用评级制度;培育、引进、发展机构投资者;注重引进和培养专业人才等推进信贷资产证券化的对策。积极寻求开展资产证券化业务的突破点。

COUNTERMEASURE ON DEVELOPING PROPERTY STOCK CERTIFICATE BY OUR COMMERCIAL BANK

Along with the increase of absolute quantity of banks' harmful property, the Central Bank of China strengthens the management on commercial bank in the aspects of increasing deposit reserve rate, enhancing property liquidity and scattering funds risk, and the widening of the space of bank loan interest rate, the voice of promoting the property stock certificate is higher and higher. Exactly under this background, aiming at promoting letter property stock certificate, the thesis puts forward some countermeasures, such as the renewal principle of management, quickening the process of letter property stock certificate, strengthening the legislation, etc. in order to seek the breakthrough point of carrying out the business of letter property stock certificate.