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商业银行信贷资产证券化,是把资产流通较差的金融资产转化为市场上自由流通的证券。商业银行信贷资产证券化扩大了商业银行的发展规模,优化了银行资产模式,与此同时也产生了巨大的风险,是否能有效控制风险,直接影响着我国商业银信贷的管理。针对此类现象的产生,本文将对我国银行信贷资产存在的问题进行研究,通过研究结果有效的改善我国商业银行信贷资产的相关业务。
The securitization of credit assets by commercial banks is to convert the financial assets with poor circulation into free-floating securities on the market. The securitization of credit assets of commercial banks has expanded the development scale of commercial banks, optimized the bank asset model, and at the same time, has created huge risks. Whether it can effectively control the risks and directly affect the management of commercial commercial banks’ credit in our country. In response to the emergence of such phenomena, this paper will study the existing problems of China’s bank credit assets, and through the research results, effectively improve the related businesses of China’s commercial banks’ credit assets.