铜陵学院学报
銅陵學院學報
동릉학원학보
JOURNAL OF TONGLING COLLEGE
2014年
3期
39-41
,共3页
中小商业银行%资产结构优化%信贷资产证券化%作用%风险防范
中小商業銀行%資產結構優化%信貸資產證券化%作用%風險防範
중소상업은행%자산결구우화%신대자산증권화%작용%풍험방범
the small-and-medium-sized commercial banks%asset structure optimization%credit asset securitization%function%risks prevention
中小商业银行持续较快发展受资产结构的影响和制约越来越突出，时下正在推进的信贷资产证券化业务为其优化资产结构提供了一条新路子。中小银行探索信贷资产证券化，有利于改进资产的流动性结构、盈利性结构和信贷结构，提高资产使用效率及资本节约，被释放出来的资本可用以支持资产结构优化。中小银行开展信贷资产证券化业务有着诸多有利条件，但必须防范战略风险和信用风险。
中小商業銀行持續較快髮展受資產結構的影響和製約越來越突齣，時下正在推進的信貸資產證券化業務為其優化資產結構提供瞭一條新路子。中小銀行探索信貸資產證券化，有利于改進資產的流動性結構、盈利性結構和信貸結構，提高資產使用效率及資本節約，被釋放齣來的資本可用以支持資產結構優化。中小銀行開展信貸資產證券化業務有著諸多有利條件，但必鬚防範戰略風險和信用風險。
중소상업은행지속교쾌발전수자산결구적영향화제약월래월돌출，시하정재추진적신대자산증권화업무위기우화자산결구제공료일조신로자。중소은행탐색신대자산증권화，유리우개진자산적류동성결구、영리성결구화신대결구，제고자산사용효솔급자본절약，피석방출래적자본가용이지지자산결구우화。중소은행개전신대자산증권화업무유착제다유리조건，단필수방범전략풍험화신용풍험。
The sustained and rapid development of the small-and-medium-sized commercial banks have been affected by their asset structure increasingly prominently, but credit asset securitization which is now advancing in our country, provides a new way for the small-and-medium-sized commercial banks to optimize their asset structure. For the small-and-medium-sized commercial banks, credit asset securitization is helpful for improving the asset liquidity structure, asset profitability structure and credit structure; is helpful for in-creasing the service efficiency of asset and saving the capital which can support the asset structure optimization. The small-and-medium-sized commercial banks have many favorable conditions to carry out credit asset securitization business but they must guard against strategic risk and credit risk.
