ABSTRACT
Asset securitization as one of the most financial innovations of the twentieth century, in the
past forty years it always has been in the rapid development and innovation process.In China, the
asset securitization of commercial banks has also did a large-scale pilot applications in recent
years.In view of the internal and external conditions of the commercial banks largely-scale
promoted the asset securitization has existed, this article take the G bank as the research
object,learn from the pros and cons of the experience of the foreign asset securitization,mainly
take the domestic banking sector to carry out asset securitization business as a reference,with the
public annual reports of listed companies, statistical data,industry typical pilot case and the
relevant legal rules and norms as analytical basis, using contrast analysis and empirical research
method,proceed from the operational level to discussing the model selection of G bank asset
securitization.
Firstly, analyzing the environment of G Bank's business development,that is,from policies
and regulations, social needs, financial reform, technological innovation and other aspects of G
Bank macro environment to elaborating,from the overall development of China's banking industry
to analyzing and comparing the G bank's industry situation.Secondly, take the G bank's operating
status as the starting point,analyzing the holding way of the stock assets,revenues
constitution,assets liquidity conditions,financing needs and so on.Finally, throughout choicing and
positioning the major players of asset securitization, choicing the securitized assets, the grading
and packing mode,the credit enhancement tools,designing the transaction structure,the securities
price and establishing risk prevention and control mechanism,proposed the path selection strategy
of the G bank asset securitization.
Key words:G banks, asset securitization, asset restructuring, route choice