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近年来资产证券化在欧美各国都取得了快速发展,但导致的结果截然不同,美国的资产证券化最终成为金融危机的导火索,而欧洲资产证券化的发展不仅没有成为危机的加速器,反而维持了经济的稳定,其中很重要的一个因素是,欧洲特色的中小企业贷款证券化发挥了不可忽视的作用。文章对危机视角下欧洲中小企业贷款证券化的相关文献进行梳理,对目前的研究进展进行归纳,并对已有研究视角及观点进行了凝练与评述,在此基础上提出对该问题未来可能的研究方向。
In recent years, asset securitization has achieved rapid development in all countries in Europe and the United States, but the result is quite different. Asset securitization in the United States eventually became the trigger of the financial crisis. The development of securitization in Europe not only failed to become a crisis accelerator, Maintaining economic stability, one of the most important factors is that the European characteristics of SME loan securitization has played a non-negligible role. The article sorts out the relevant documents of European SME loan securitization from a crisis perspective, summarizes the current research progress, and concludes and comments on the existing research perspectives and opinions. On this basis, it puts forward some suggestions on the possible future research direction.