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农村金融机构是支持“三农”和微小企业发展的主力军,其存贷款规模在县域金融机构占据首位,通过信贷资产证券化可以有效的筹措资金、盘活存量贷款、缓解流动性、提升监管指标、增强自身效益,同时更好的支持“三农”经济发展,意义重大。本文以辖内农村金融机构为例,从贷款结构、未来现金流及收益、信用条件、管理营销团队建设等方面分析了在农村金融机构实施信贷资产证券化的可行性,对实施信贷资产证券化提出了相应的建议。
Rural financial institutions are the main force in supporting the development of “agriculture, rural areas and farmers” and micro-enterprises. Their deposits and loans occupy the first place in the financial institutions in the county level. Through the securitization of credit assets, rural financial institutions can effectively raise funds, revitalize existing loans, ease liquidity and upgrade It is of great significance to supervise the targets and enhance their own efficiency while at the same time better supporting the economic development of agriculture, rural areas and farmers. Taking the rural financial institutions in the jurisdiction as an example, this paper analyzes the feasibility of implementing the securitization of credit assets in rural financial institutions from the aspects of loan structure, future cash flow and income, credit conditions, management and marketing team building. Put forward the corresponding suggestion.