不良资产证券化产品的风险管控评价——以“中誉一期”和“和萃一期”为例

Risk Management and Control Evaluation?for Nonperforming Asset Securitization Products——Taking “Zhongyu Issue” and “Hecui Issue” as Examples

因为不良资产本身就具有较大的风险,通过证券化操作后会进一步扩大该业务相关的资金量,因此,不良资产证券化产品的风险管理评价尤为重要。通过对2016年中国最新面世的两大典型商业银行不良资产证券化产品"中誉一期"和"和萃一期"典型案例的风险管控进行评价,以期有效管控中国商业银行不良资产证券化风险。

AAfter operating through securitization, bad assets have a bigger risk because of further expand the related capi- tal. Therefore, evaluation of risk management of non-performing assets securitization is particularly important. The article assesses risk management of two typical cases called ＂ Zhongyu issue＂and ＂Hecui issue＂, in order that we can effectively control commercial bank＇s non-performing assets securitization risk in China.