一、关于证券化方法的问题在将银行持有的资产证券化时，美国大概是按三种方法进行分类的：更新（novation）、让渡或让与（loansale）和参与（participation）。银行作为发起人进行证券化，这在美国是常用的方法，其顺序基本上是参与、让渡和更新。所谓更新，在美欧国家被视为 I. Issues Concerning the Securitization Approach When securitization of assets held by banks, the United States classifies them roughly in three ways: novation, assignment or loan. Securitization of banks as sponsors is a common practice in the United States, and its order is essentially participation, transfer and renewal. The so-called update, seen in the United States and Europe