本文選題：信用卡 + 資產(chǎn)證券化�。� 參考：《華僑大學(xué)》2017年碩士論文

【摘要】：我國(guó)的信用卡行業(yè)在經(jīng)歷了快速成長(zhǎng)之后,信用卡發(fā)卡量增速普遍放緩,面對(duì)走向飽和的信用卡市場(chǎng),各家銀行需要拓展業(yè)務(wù),加上出于盈利的需要,銀行要尋找傳統(tǒng)融資渠道之外的融資方式。信用卡資產(chǎn)證券化是以信用卡資產(chǎn)為基礎(chǔ)資產(chǎn)發(fā)行的產(chǎn)品,可以從一定程度上解決銀行的融資問(wèn)題。目前國(guó)內(nèi)銀行業(yè)傳統(tǒng)的盈利模式正受到越來(lái)越嚴(yán)峻的挑戰(zhàn),在提高盈利能力和降低資金成本方面,信用卡資產(chǎn)證券化產(chǎn)品提供了一個(gè)不錯(cuò)的選項(xiàng)。但是也應(yīng)該看到,信用卡資產(chǎn)證券化的開(kāi)展可能會(huì)遇到一些問(wèn)題和困難,畢竟在中國(guó)市場(chǎng)還不成熟,所以,信用卡資產(chǎn)證券化產(chǎn)品在我國(guó)的推出,需要符合我國(guó)的國(guó)情。信用卡資產(chǎn)證券化是一種資產(chǎn)支持證券類(lèi)的金融產(chǎn)品,它以信用卡的應(yīng)收賬款為基礎(chǔ),將那些不能及時(shí)變現(xiàn)以及流動(dòng)性比較低的應(yīng)收賬款進(jìn)行分割、轉(zhuǎn)移,然后以一些特殊的經(jīng)濟(jì)結(jié)構(gòu)為載體,以他們的資金作為信用擔(dān)保來(lái)進(jìn)行的,加強(qiáng)資金債券流動(dòng)性的一種手段或者過(guò)程。其目的性在于利用一些可以利用的資金條件來(lái)加強(qiáng)銀行資金的流動(dòng)性。本文將從研究國(guó)內(nèi)外信用卡資產(chǎn)證券化的現(xiàn)狀、結(jié)構(gòu)入手,分析其在中國(guó)的發(fā)展所面臨的風(fēng)險(xiǎn)和挑戰(zhàn)。并且分析下一階段國(guó)內(nèi)信用卡資產(chǎn)證券化的前景和未來(lái)市場(chǎng)發(fā)展方向,提出一些有益于解決問(wèn)題的思路,并以此為例為國(guó)內(nèi)信用卡資產(chǎn)證券化現(xiàn)階段所面臨的一系列問(wèn)題提供相應(yīng)的解決方案。本文將分為六個(gè)方面對(duì)上述觀點(diǎn)進(jìn)行逐一的論述。第一部分介紹了本文開(kāi)展研究的背景與意義、論文所遵循的研究思路和所采用的研究方法。第二部分介紹了我國(guó)國(guó)內(nèi)信用卡資產(chǎn)證券化的現(xiàn)狀,信用卡資產(chǎn)證券化在國(guó)外經(jīng)歷了30多年的發(fā)展,積累了大量的經(jīng)驗(yàn)和教訓(xùn),在中國(guó)的發(fā)展卻很緩慢,目前國(guó)內(nèi)還沒(méi)有真正意義上的信用卡資產(chǎn)證券化產(chǎn)品,但部分銀行已經(jīng)在開(kāi)始嘗試,并已取得一定的成績(jī)。第三部分介紹了信用卡資產(chǎn)證券化交易結(jié)構(gòu),包括證券化的參與主體介紹、結(jié)構(gòu)特點(diǎn)分析、交易結(jié)構(gòu)設(shè)計(jì)以及信用評(píng)級(jí)等。第四部分列舉了國(guó)內(nèi)外信用卡資產(chǎn)證券化的案例并進(jìn)行分析,從中總結(jié)出經(jīng)驗(yàn)和給我們的啟示。第五部分分析了信用卡資產(chǎn)證券化的主要風(fēng)險(xiǎn)并提出相應(yīng)的風(fēng)險(xiǎn)控制措施。第六部分對(duì)本論文進(jìn)行總結(jié)。
[Abstract]:After the rapid growth of the credit card industry in China, the growth rate of credit card issuance has generally slowed down. In the face of the saturated credit card market, banks need to expand their business, in addition to the need for profit. Banks should look for financing methods other than traditional financing channels. Credit card asset securitization is a product based on credit card assets, which can solve the financing problem of banks to some extent. At present, the traditional profit model of domestic banking is facing more and more serious challenges. Credit card asset-backed securitization products provide a good option in improving profitability and reducing the cost of capital. However, we should also see that the development of credit card asset securitization may meet some problems and difficulties, after all, in the Chinese market is not mature, so the introduction of credit card asset securitization products in China, need to meet the national conditions of our country. Credit card asset securitization is a kind of financial product of asset-backed securities. It is based on the accounts receivable of credit card and divides and transfers those accounts receivable which can not be realized in time and is less liquid. Then take some special economic structure as the carrier, take their funds as the credit guarantee to carry on, strengthens the fund bond liquidity one kind of method or the process. Its purpose is to use some available funds to strengthen the liquidity of bank funds. In this paper, the present situation and structure of credit card asset securitization at home and abroad are studied, and the risks and challenges faced by the development of credit card securitization in China are analyzed. And it also analyzes the prospect of domestic credit card asset securitization in the next stage and the direction of future market development, and puts forward some useful ideas to solve the problem. And take this as an example for domestic credit card asset securitization at present to face a series of problems to provide the corresponding solution. This paper will be divided into six aspects of the above point of view one by one. The first part introduces the background and significance of this study, the research ideas followed and the research methods adopted. The second part introduces the present situation of credit card asset securitization in China. The credit card asset securitization has experienced more than 30 years of development abroad, accumulated a lot of experience and lessons, but the development in China is very slow. At present, there is no real credit card asset securitization products in China, but some banks have begun to try, and have made some achievements. The third part introduces the transaction structure of credit card asset securitization, including the main body of securitization, structural characteristics analysis, transaction structure design and credit rating. The fourth part enumerates the domestic and foreign credit card asset securitization cases and carries on the analysis, from which summarizes the experience and gives us the enlightenment. The fifth part analyzes the main risks of credit card asset securitization and puts forward the corresponding risk control measures. The sixth part summarizes this paper.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.51

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