农村商业银行信贷资产证券化研究——以苏州市A农商行为例

Securitization of Rural Commercial Bank Credit Asset:A Case Study of Suzhou Rural Commercial Bank A

以苏州A农商行为例,对农村商业银行信贷资产证券化方案的实证研究表明,信贷资产证券化业务的开展不仅有助于提高信贷资产质量、降低信贷风险,还能盘活存量资产、改善盈利结构,对实现产融结合具有积极意义。然而,当前多数农村商业银行面临着借款人信用水平较低、不良贷款率上升、资本充足率下降等挑战。为了控制市场风险,确保信贷资产证券化工作的顺利开展,农村商业银行还需积极加强资产池试点、拓展中间业务、多元化发展资产证券种类等工作。

With the case of Suzhou rural commercial Bank A,it has been shown by an empirical study of the securitization of rural commercial bank credit asset that securitization of credit asset can not only help to improve the quality of credit asset,lower the risk of credit,but can also liquidize remnant assets and improve profit structure,being of positive significance for the combination of industry and finance.However,most rural commercial banks at present are now facing such challenges as low credit levels of borrowers,rising of unhealthy loan rates,declining of capital adequacy ratio,etc.In order to risks in market and to make sure a smooth carrying-out of the securitization of credit asset,rural commercial banks need to positively strengthen the pilot pool of property,expand intermediary business,and diversify the kinds of asset security.