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随着我国商业银行改革的不断深入和国企股份化、证券化的全面推进，商业银行面临着一方面优化自身资产质量，增强商业银行的竞争能力，另一方面在确保自身资产安全增值的前提下，不断提升为企业提供金融服务水准和规模的双重要求。这是一个较为复杂的系统工程，在国企资本中，选择一部分符合条件的资本进行资产证券化，可以为实现上述双重要求作出有益的探索。
With the continuous deepening of the reform of commercial banks in our country and the all-round promotion of the state-owned enterprises' equity and securitization, commercial banks are faced with optimizing their own asset quality and enhancing the competitiveness of commercial banks on the one hand, and on the other hand, under the premise of ensuring the safety and value of their own assets , And continuously improve the dual requirements of providing financial services to enterprises in terms of standards and scale. This is a relatively complicated systematic project. Selective asset securitization of some qualified capital in state-owned capital can make useful exploration for the realization of the above-mentioned double requirements.