The Trodlem of Credit Asset Securization in Our State;

Research on Risk Management of Credit Asset Securitization in Commercial Bank;

The Research on the Motivation of Commercial Bank s Credit Asset Securitization in China;

This paper analyzes the present situation and geneses of our country s credit assets,based on this,sums up the several types of the non-performing credit assets,studies on the classification of the loss factors of the credit assets risk and their values,and puts forward some matters needing attention in formulating the credit assets evaluation standard--the loan risk loss factor.

This article which regards each subject of the credit assets securitisation that our country is launching a pilot pro- ject involves as the breakthrough point has analyzed every right and obligation of participating in the subject and two most important and legal properties completely different legal relations among participates in all subjects in the assets securitiza- tion.

This article mainly argues that enhanced internal control,loan asset preservation mechanism and an honest credit environment are the three key areas needed for setting up loan asset rights protection system.

In order to avoid the risks and strengthen participants’confidence, the legal relationship system of securitization of credit assets shall try to establish a risk isolation mechan.

As a type of assets securitization,securitization of credit assets is a major innovation in the financial field.