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一、信用衍生产品对商业银行经营和风险管理的主要影响(一)改善银行信用管理方式,解决信贷悖论问题信用衍生产品产生前,贷款出售或资产证券化是银行转移信用风险的主要手段。这种做法转让了贷款资产的所有权,将特定贷款转移出银行的资产负债表。由于在交
I. Major Impacts of Credit Derivatives on Commercial Banks’ Operation and Risk Management (I) Improving Bank’s Credit Management and Solving Problems of Credit Paradox Before the production of credit derivatives, loan sales or asset securitization are the main means by which banks can transfer credit risk. This practice transfers the ownership of the loan asset and transfers the specific loan out of the bank’s balance sheet. Because of the pay