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继2014年我国首个城市商业银行——北京银行成功开展信贷资产证券化至今,我国城商行在银行业信贷资产证券化中已占半壁江山。但不同于综合实力较强且资产规模较大的北京银行,我国大部分中小城商行在信贷资产证券化过程中面临一系列因自身发展特色造就的问题。以本文通过对中小城商行信贷资产证券化基础资产风险特点和中小城商行开展信贷资产证券化过程的风险进行深入分析,并针对中小城商行自身特点提出风险防控的建议,以期为信贷资产证券化业务在中小城商行中的稳步扩张提供帮助。
Following the successful commencement of securitization of credit assets by China’s first urban commercial bank, Bank of Beijing in 2014, China’s city commercial banks have accounted for half of the credit assets securitization in the banking industry. However, unlike the Bank of Beijing with strong comprehensive strength and large assets, most of the small and medium-sized commercial banks in our country face a series of problems created by their own development characteristics during the process of securitization of credit assets. This article through the small and medium-sized city commercial banks credit asset securitization risk characteristics of basic assets and small and medium-sized city commercial banks carry out the process of credit asset securitization risk analysis, and small and medium-sized city commercial banks own risk control recommendations, with a view to credit asset securities Business in the small and mid city firm to provide steady expansion.