论文部分内容阅读
信用卡应收款是国外除MBS以外最重要、发行量最大的证券化产品之一。信用卡业务作为个人金融业务的核心,成为各家银行战略部署和重点发展的对象。随着信用卡应收款规模的进一步扩大以及风险分散要求的增加,这种基础资产的证券化将逐步推开。一、信用卡证券化的发展信用卡业务作为个人金融业务的核心产品,由于本身有较大的赢利空间,同时又可以通过交叉销售带来更多的机会,所以很多商业银行都是从战略的高度来规划和发展信用卡业务。美国的信用卡市场非常发达,信用卡支付在全部非现金支
Credit card receivables are one of the most important and highly issued securities products in foreign countries except MBS. As the core of personal financial business, credit card business has become the target of strategic deployment and key development of banks. With the further expansion of the scale of credit card receivables and the increasing demand for risk diversification, the securitization of such basic assets will be gradually rolled out. First, the development of credit card securitization Credit card business as a personal financial business core products, because of their greater profit margins, but also can bring more opportunities through cross-selling, so many commercial banks are from a strategic height Planning and development of credit card business. The credit card market in the United States is well developed and credit card payments are in full non-cash support