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论文作者:www.51lunwen.org论文属性:硕士毕业论文 dissertation登出时间:2014-09-27编辑:felicia点击率:29788
论文字数:16124论文编号:org201409251350209724语种:英语 English地区:美国价格:免费论文
关键词:非流动性资产资产证券化投资者Asset SecuritizationFinancial Crisis
摘要:资产证券化有什么作用?对金融风险和金融危机有什么影响?如何写好资产证券化留学论文?该从哪里入手?还在等什么,赶快看看这篇文章,这篇文章让你留学美国不再困难,让你申请宾夕法尼亚不再费力,让你留学不再苦恼。
Due to poor standard of lending there has been raise in subprime loans, the delinquency rate increased in the year 2006-2007 because of subprime loans issued in previous years. The overall rise in delinquency rate is sudden and overwhelming. The market started to response to these high delinquency rates in the second half of 2006 and first half of 2007. In spite of high delinquency rate, market had confidence on highly rated tranches of subprime RMBS (senior tranches). In the second half of 2007 this confidence came to its low when credit rating agencies lowered their rating on highly rated tranches. These downgrades created uncertainty and doubt on quality of rating these rating agencies assigned. With more exposure to risk related to subprime debts, restricted liquidity of banks, the inter market for term loans was effected so there was a sharp increase in risk premium. These authors concluded that banks lost confidence and have less liquidity. This resulted in present financial crisis.
The result of this is freezing all structured finance products and cut down in non confirming mortgages. This is because of those agencies giving non confirming mortgages had lots of loans and RMBS which were not sold. Several financial institutions in the U.S. and abroad were hit with sizable losses owing to their exposures as sponsors of SPVs and underwriters of other structured credit, as well as their direct exposures to subprime-related debt.
Souphala, C and Anthony, P.C , (2006). concluded that lower standard of the way the mortgage loans were issued is the one of the main reasons of financial crisis. (Mason and Rosner, 2007) concluded that US federal government played its role in financial crisis by easing many laws. Souphala, C and Anthony, P.C , (2006) also concluded that degrading senior tranche ratings by rating agencies triggered financial crisis and banks lost confidence and have less liquidity to lend loans.
CHAPTER-3
Methodology
3.1 Introduction
Through the journey of knowing the impact of asset securitisation, and its process we have seen the number of parties involved in this process. As mentioned earlier for the process of Asset securitisation it passes from the financial institutions to the special entity vehicle to the rating agencies, the investors relay on these ratings and invest on the securities. Hence, to understand the role played by all these parities in financial crisis. The methodology used in this report address the key research question of 'role of asset securitization in financial crisis' and 'role played by rating agencies in financial crisis'. Both the key problems are one and same because rating agencies are part and parcel of asset securitization process. These chapters will address what methodologies best suit to address the problem.
3.2 Research methods
Quantitative and qualitative research methodologies have been adopted for the purpose of this report. We use quantitative research to facilitate qualitative research.According to Dow (2002), quantitative methods are commonly used for analyze trends and measure本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。