本文選題：信用卡 + 應(yīng)收賬款��； 參考：《新金融》2016年02期

【摘要】：信用卡應(yīng)收賬款證券化是我國(guó)資產(chǎn)證券化市場(chǎng)中的新興品種,對(duì)于完善商業(yè)銀行信用卡業(yè)務(wù)模式,促進(jìn)消費(fèi)金融,多層次資本市場(chǎng)建設(shè)都具有重要意義。本文分析了目前市場(chǎng)上信用卡應(yīng)收賬款證券化產(chǎn)品的特征,并通過比較美國(guó)市場(chǎng)的成熟經(jīng)驗(yàn),分析了其發(fā)展歷程、產(chǎn)品結(jié)構(gòu)特點(diǎn)等,以及對(duì)我國(guó)市場(chǎng)的借鑒性。本文指出,為進(jìn)一步創(chuàng)新信用卡應(yīng)收賬款證券化產(chǎn)品,建議從基礎(chǔ)資產(chǎn)、循環(huán)購(gòu)買結(jié)構(gòu)、證券設(shè)計(jì)、風(fēng)險(xiǎn)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.
【作者單位】： 交通銀行公司機(jī)構(gòu)業(yè)務(wù)部;
【分類號(hào)】：F832.2;F832.51
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本文編號(hào)：1987807