中小银行资产证券化业务浅析

Analysis on the asset securitization of small and medium-sized banks

近年来,我国中小银行得益于经济的飞速发展,资产利润率逐步提高。但随着我国经济发展出现转型,中小银行的发展前景不再如之前般明朗。存在中小银行客户不断流失,经营管理方式老化等诸多问题。中小银行要想解决这些问题,就必须积极分析自身优势和不足,寻找新的利润增长点。本文从资产证券化理论的理论研究入手,通过对中小银行发展现状进行分析,给出了几条中小银行发展的建议。

In recent years, Chinese small and medium-sized banks benefit from the rapid development of the economy, asset profitability gradually improved. But with the transformation of our economy, the development prospects of small and medium-sized banks are no longer as bright as before. There are a lot of problems, such as the loss of small and medium-sized bank customers and the aging of management mode. If small and medium-sized banks want to solve these problems, they must actively analyze their own advantages and disadvantages and seek new profit growth points. Starting with the theoretical research of asset securitization theory, this paper analyzes the current situation of the development of small and medium-sized banks, and gives some suggestions for the development of small and medium-sized banks.