1、湖南大學碩士學位論文商業(yè)銀行的不良資產(chǎn)證券化處置研究姓名：彭丹申請學位級別：碩士專業(yè)：管理科學與工程指導教師：王道平20020101ABSTRACTThepossibili哆of10sscausedbyvariantuncertain哆inthecomrrlerciaIbankbusinessiscalledcommercialbankriskRiskMana疊ementofcommerci“bankist0defbnd，shun，sc

2、atteror仃aIlsfermeriskmthebusinesspmcessmrou曲suchbehaviorsl訂(eriskrecognizing，“skevaluation，riskdealtetcinwhichwayteduceofshuntheeconomiclossandprotectthesec戚tyofmebusinesscapitaIThetypeofcommerc試baIlkriskinournationisalm

3、osttllesamewi也thatofthewestemcommercialbank，a11dcanbedividedimocreditrisk，marketrisk，liquid時risk，operationrisk，policyriskaⅡdfinancialgriftingriskandsoonbasedonriskfActoLHowever，meconnotationoftheconunercialbaIlkriskofour

4、coun仃yisquitedimrent丘om也atof也ewestemcommercialbankWhat’smOremedimrenceiss廿onglyexpressed、Vhenthemaincon曲ercialbankriskinourcouIl乜了isthecreditriskThespecialtiesoftllecreditcapitalofourcountryaremelargevol啪eoftllebadassets

5、，especiallylackillgofthemechaIlismtopreventthenewcreditassetbecomingbadasset，whichmeanscannotconⅡol仕lebadassetemcientlyAlone、vithChma’senteringWTO，thecommercialballl【havetofkeneverexpectedstrikeSo，inordertodeal、vimthecha

6、llengcfbmforeignb鋤ll(s，ourco呲y’scommercialb鋤_kmustpaceupthedispositionofthebadassets，a11dactivatetllecreditassetinthes黝etimebuildupthemechanismtopreVemthenewcreditcapitaIbecomingbadassetThisanicleaimingatthedispositiOnof

7、badassetoftheXIANGRONGbankbringfonvard2wayofstockri曲tsstrategyandlwayofcreditrightstosecuritirizetllebadassetofⅪANGRoNGballkSecuritiriz“0nisaprojecttoissuesec嘶tiesmatcouldcirculateinthe丘nancialmarketusingtheassetlachngof

8、liquiditybuthasstablecashnowasguaranteeBaseon也eintemationalexperience，meassetcouldbesecuritirizedismosehavestablecashnawWhatwe咖dynowismebadcreditgot行omthecOmmercialbarlkintlleassctmarlagementcorporation，sowehavetomodifym