下载后可任意编辑商业银行信贷资产证券化 SWOT 分析与政策探讨商业银行信贷资产证券化 SWOT 分析与政策探讨 刘晓勇 【摘 要】信贷资产证券化是一项金融创新工作，在降低商业银行不良贷款率、进一步体现商业银行资本运作能力中发挥重要作用。国内的信贷资产证券化业务始于 20XX 年，尽管中间经历次贷危机一度中止，但随着商业银行资本运作需求的不断提升，该业务再次进入重启阶段并快速进展。论文基于商业银行信贷资产证券化的 SWOT 分析，剖析了该业务进展的不足与优势，并结合业务进展现状及经营实际，最终提出一系列我国下阶段深化开展信贷资产证券化业务的措施及建议。 【Abstract】Credit asset securitization is a financial innovation work， which plays an important role in reducing the non-performing loan rate of commercial banks and further reflecting the capital operation ability of commercial banks. China"s credit asset securitization business started in 20XX. Although it experienced the subprime crisis and was once stopped， with the increasing demand for capital operation of commercial banks ， the business once again entered the stage of restart and developed rapidly. Based on the SWOT analysis of credit asset securitization of commercial banks ， this paper analyzes the shortcomings and advantages of the business development， and combined with the business development status and operating reality ， finally puts forward a series of measures and suggestions for further developing credit asset securitization business in the next stage in China. 【關键词】商业银行;信贷资产证券化;SWOT 分析 【Keywords】commercial banks; credit asset securitization; SWOT analysis 1下载后可任意编辑 【 中 图 分 类 号 】 F830.33 【 文 献 标 志 码 】 A 【文章编号】1673-1069（20XX）04-0078-02 1 引言 近年来，国内通货膨胀率持续上升和不良贷款涌现，作为降低商业银行不良贷款率手段之一的资产证券化业务逐渐显现出它的优势，加之互联网金融快速进展对传统商业银行的冲击，...
