What are the ways of asset business innovation?

1, loan business innovation.

① Vigorously develop syndicated loans. To carry out syndicated loans smoothly, we should do a good job in at least three aspects: first, strictly control the project and contract, ensure the correctness of loan project selection, and clarify the rights, responsibilities and obligations between banks and enterprises. Second, banks and enterprises should reasonably bear the expenses incurred by syndicated loans; The third is to standardize the responsibility and interest relationship between the lead bank and the participating banks.

② M&A loan. M&A loan is used for enterprise merger. Loans provided by capital operation activities such as acquisition. The biggest difference between this kind of loan and the general enterprise loan is that the purpose of the loan is neither productive nor commercial, but for capital reorganization and low-cost expansion of the enterprise scale. The object of this kind of loan is mainly investment rather than speculative M&A activities. M&A loan should be secured and mortgaged. It can be an enterprise, but it is generally an asset. The term of M&A loan is generally about one year. For commercial banks in China, the prospect of developing M&A loans is broad.

③ Factoring loan (mortgage loan of accounts receivable). Factoring loan refers to a loan business model in which commercial banks provide financing to customers with accounts receivable as collateral. Here, the bank actually got the responsibility to collect the accounts receivable from customers. Because banks bear the extra costs and risks in this loan, they usually charge a higher loan interest rate and lend at a smaller proportion of the book value of customers' accounts receivable; The main measure to prevent this risk is to strengthen the credit analysis of mortgage accounts receivable.

2. Investment business innovation

(1) Improve the way of purchasing government bonds. It is suggested that the decision-making department should make appropriate amendments to the selection of the target of national debt issuance in the future.

2 buy corporate bonds. For commercial banks, the purchase of corporate bonds may encounter credit risk, that is, the enterprises that issue bonds cannot pay the bonds in full and on time. The main way to solve this risk is to strengthen the analysis of the credit status and future development prospects of bond issuing enterprises.

(3) Investing in asset-backed securities. With the deepening of financial reform, asset securitization will be widely carried out in China. Therefore, loans and other asset-backed securities will be continuously introduced.