商业银行信用卡应收账款证券化产品及创新策略分析

发布时间：2018-06-06 19:11

  本文选题：信用卡 + 应收账款　； 参考：《新金融》2016年02期

【摘要】：信用卡应收账款证券化是我国资产证券化市场中的新兴品种,对于完善商业银行信用卡业务模式,促进消费金融,多层次资本市场建设都具有重要意义。本文分析了目前市场上信用卡应收账款证券化产品的特征,并通过比较美国市场的成熟经验,分析了其发展历程、产品结构特点等,以及对我国市场的借鉴性。本文指出,为进一步创新信用卡应收账款证券化产品,建议从基础资产、循环购买结构、证券设计、风险自留等方面予以深化完善。
[Abstract]:Credit card accounts receivable securitization is a new kind of asset securitization market in China. It is of great significance to improve the credit card business model of commercial banks, promote consumer finance and multi-level capital market construction. This paper analyzes the characteristics of credit card accounts receivable securitization products in the current market, and by comparing the mature experience of the American market, analyzes its development process, product structure characteristics, and the reference to our market. This paper points out that in order to further innovate credit card accounts receivable securitization products, it is suggested to deepen and perfect them from the aspects of basic assets, circular purchase structure, securities design, risk retention, and so on.
【作者单位】： 交通银行公司机构业务部;
【分类号】：F832.2;F832.51
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本文编号：1987807