Mortgage - backed securities ( mbs ) is the product of international financial innovation and the tool to enhance the liquidity of our banks " assets and decrease finance risks 住房抵押贷款证券是国际金融创新浪潮的产物，也是增强我国银行资产流动性、化解金融风险的重要工具。
Under these circumstances , we should take reference to and apply the financial innovation tool of abs , and establish an operational mechanism that suits chinese characteristics 在此种情况下，需要借鉴和运用资产证券化这一金融创新工具，建立适合我国特点的银行资产证券化运行机制。
In an effort to allow banks as well as regulators to better monitor bank asset quality in accordance with international practice , a five - category classification system was formally implemented in 2002 为让银行及监管机关按照国际标准更有效监察银行资产质素，于2002年正式实施五级贷款分类制度。
The asset quality of retail banks continued to improve in 2004 reflecting the improved domestic economy , rising property values , improved employment market , and lower level of bankruptcies 在本地经济复苏、物业市值回升、就业市场改善及破产个案减少的形势下，零售银行资产质素在2004年持续改善。
For example , the chinese have recently taken measures to liberalize certain capital flows , they are recapitalizing their banks , and they are working to develop a currency derivatives market 例如，中国最近已采取措施在某种程度上允许资本流动。中国还在进行银行资产调整，努力发展货币衍生产品市场。
Since there exists a correlation between bank asset returns and deposit interest rate , the higher the correlation is , the lower the effectiveness of regulation will be 其中一项重要的影响因素是银行资产报酬率与存款利率之相关性，即如果银行资产报酬率与存款利率之相关系数愈低，则资本比率管制愈可能有效。
Based on a systematic analysis of the operational mechanism of abs , this paper focuses on exploring how to achieve abs in china ' s banking sector and secure an operational environment required 本文在系统地分析了资产证券化运作机理的基础上，着重探讨了如何实现我国银行资产证券化及其所需要的运行环境。
The bank staff may take advantage of their privilege for illegal operation , which could lead to great losses of bank capital . meanwhile , financial order would become chaotic and eventually result in a financial crisis 银行的内部人员利用自己的特殊身份进行非法操作，导致银行资产的大量流失，同时扰乱金融秩序，进而可能引发金融危机。
