我国金融学界对信贷资产证券化的探讨由来已久,但是仍有相当一部分业内人士将资产证券化仅仅理解为解决四大国有独资商业银行不良资产的手段,这种做法有欠妥当,容易使投资者将其误解为另一种形式的“圈钱运动”,从而将这一尚未在我国深入开展的新兴业务引入歧途。 However, there is still a considerable number of people in the industry who interpret asset securitization merely as a means to solve the non-performing assets of the four wholly state-owned commercial banks. This practice is not proper and it is easy to make investment Misunderstood it as another form of “misappropriation campaign,” thereby astounding this emerging business that has not yet been deeply developed in our country.