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加快推进中小企业信贷资产证券化,需要以创新的思维研究解决办法。关键是结构简单、规模适度、成本可算、信息透明、风险可控信贷资产证券化是指将缺乏流动性,但具有可预期收入的银行信贷资产,通过在资本市场上以发行证券的方式予以出售,从而获取融资的过程。笔者认为,如何使中小企业信贷资产证券化产品及其制度框架适合我国目前的金融发展水平,还需要研究相关创新措施和办法。
To speed up the securitization of credit assets of SMEs requires innovative solutions to the problem. The key is the simple structure, the scale is moderate, the cost can be considered, the information is transparent and the risk is control. The credit asset securitization refers to the bank liquidity which will be lack of liquidity but has the expected income, and is sold through issuing the securities in the capital market , So as to obtain the financing process. The author believes that how to make SME credit asset securitization products and its institutional framework fit our current level of financial development, but also need to study the relevant innovative measures and approaches.