信托业立足于天然的功能优势和长期积累的资产管理经验,有望在资产证券化领域大有作为。资产证券化与传统融资最大的区别就是用资产信用代替企业信用。众所周知,企业从银行申请贷款或发行企业债时依靠的是企业信用,还款来源主要依赖于企业履行义务和清偿债务的能力,债权人主要需要考虑融资企业的整体信用,如企业管理、公 Trust industry based on the natural functional advantages and long-term accumulation of asset management experience, is expected to have a lot in the field of asset securitization. Asset securitization and the biggest difference between the traditional financing is the use of asset credit instead of corporate credit. It is well-known that enterprises rely on corporate credit when applying for loans or issuing corporate bonds from banks. The sources of repayments mainly depend on the ability of enterprises to fulfill their obligations and liquidate their debts. Creditors mainly need to consider the overall credit of financing enterprises such as corporate management,