我国信贷资产证券化从2005年开始至今,资产证券化产品的基础资产种类逐渐丰富,参与机构覆盖面逐渐增加.在取得显著进展的同时,也面临着众多的问题,特别是此次美国次贷危机,充分展现了金融创新的“二重性”和“双刃性”作用.我们应该以美国次贷危机为借鉴,从中得到启示,为中国房地产市场和金融市场的健康发展提出建议.“,”since 2005,both the asset securitization products based Securitization of Credit Assets and the coverage of the participating institutions have gradually increased.Significant progress in achieving the same time,also faces many problems,especially in the U.S.sub-prime crisis,full of financial innovations of “duality” and “double-edged nature ” effect.We should learn from the U.S.sub-prime mortgage crisis,from which inspiration for the Chinese real estate market and the healthy development of financial markets to make recommendations.