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资产证券化是当今世界上一个新兴起的金融工具,同样对我国经济的迅速发展起着重要的作用,值得受到高度的重视。我国的资产证券化起步比较晚,发展的过程也比较短暂,在相关的法律法规及一些制度建设上,还需要不断的进行健全和完善,正是因为这样的原因,我国的证券化发展存在着很多各种各样的风险,这就需要我们努力的辨识和防范。本文首先介绍了信贷资产证券化的内涵和特点,指出了风险产生的影响因素,并提出了我国信贷资产证券化风险防范机制的设计策略,希望能够得到相关研究人员的参考,保障我国信贷资产的平稳与安全。
Assets securitization is a new emerging financial instrument in the world today. It also plays an important role in the rapid economic development of our country and deserves great attention. China’s asset securitization started relatively late, the development process is relatively short, the relevant laws and regulations and some system construction, but also need to continue to improve and perfect, precisely because of this reason, there is a securitization development in China A lot of all kinds of risks, which requires our efforts to identify and prevent. This paper first introduces the connotation and characteristics of credit asset securitization, points out the influencing factors of the risk, and puts forward the design strategy of our country’s credit asset securitization risk prevention mechanism, hoping to get the reference of the relevant researchers to protect our credit assets Smooth and safe.