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新西兰商业银行资产证券化的启示Revelation of asset securitization of commercial banks operating in New Zealand

论文作者:www.51lunwen.org论文属性:硕士毕业论文 thesis登出时间:2014-06-27编辑:felicia点击率:2328

论文字数:3066论文编号:org201406271330368544语种:英语论文 English地区:新西兰价格:$ 66

关键词:good growthhuge non-performing assetscapital shortagefinancial innovationsecuritized assets

摘要:目前,新西兰银行运营的良好发展与银行巨额不良资产形成鲜明对比,交易链通常面临资金短缺的困境,不良资产比例高,流动性差,操作效率低,通过金融创新,如证券化资产,借鉴别国的成功经验,以满足监管要求,实现银行良性发展。

Abstract

Currently, Bank of New Zealand good growth with huge non-performing assets in stark contrast, the lines generally face capital shortage, the proportion of non-performing assets is high, poor mobility, operation and low efficiency, through financial innovation, especially drawing, such as securitized assets and other international successful experience, after all, a good solution. Asset securitization of commercial banks for New Zealand to meet regulatory requirements, resolve and scattered Reference to credit risk is mainly reflected in the following aspects:

1, optimizing asset and liability structure of commercial banks to ease liquidity pressures.

Liabilities of commercial banks to short-term deposits, and preached a long-term loan assets tendency. In the international financial markets, the main function of long-term financing borne by the capital markets. In New Zealand, corporate financing through the capital market accounted for only about 5%, long-term commitment of the commercial banks should assume the function of the capital markets, roads, power plants and other large infrastructure projects mainly rely on bank loans, the proportion of long-term commercial bank loans increased year by year. On the other hand, with the advent of the booming financial and investment products, the rate hike cycle, savings deposits appear slowed down the momentum of long-term loans and short-term deposits, loans and deposits reduced mobility increased mobility two contradictions coexist, Bank debt maturity mismatches of assets significantly, banks' borrowing short length of "contradictions will become more prominent, leading to increasing liquidity risk. Regulatory requirements and long-term commercial bank loan ratio of not more than 120%, it is learned that many banks have approached or exceeded the regulatory limit.[1]

Emergence of asset securitization business, compared with asset-liability management provides an effective means, through the sale and securitization of real bankruptcy isolation, you can not have the liquidity and long-term loans placed outside the balance sheet, timely access to high liquidity of cash assets, so as to effectively alleviate the pressure on commercial banks' liquidity risk.

2, in favor of commercial bank capital management, improve capital adequacy ratio.

3, help to resolve non-performing assets, reduce non-performing loan ratio.

4, help enhance profitability, improve the revenue structure of commercial banks.

Obstacles and Strategies of New Zealand commercial banks face asset securitization

Management model transformation

Conclusion

Reference

1. Diniz, Eduardo H. ; Jayo, M. ; Pozzebon, M. 2007. Correspondent banking as microcredit delivery channel. In: Chicago Microfinance Conference, 2007, Chicago. Proceedings of the Chicago Microfinance Conference. Chicago, USA.

2. Diniz, Eduardo H.; Marlei Pozzebon; Martin Jayo. 2008. Banking Technology to Scale Microfinance: The Case of Correspondent Banking In Brazil. In Proceedings of ICIS 2008 (International Conference on Information Systems): 144. Paris, France.

3. Diniz, Eduardo H.; Martin Jayo论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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