美国金融危机的爆发,给美国的金融体系造成了巨大的打击。让我们不得不审视现有的金融体系。重新评估以资产证券化为主的金融创新的利弊。对我国资产证券化的发展有重要的意义。本文从资产证券化的历史出发分析了资产证券化的问题,从而提出了对中国发展资产证券化的意见。 The outbreak of the U.S. financial crisis has caused a huge blow to the U.S. financial system. Let us have to examine the existing financial system. Reassess the advantages and disadvantages of financial innovation based on asset securitization. It is of great significance to the development of our country’s asset securitization. This paper analyzes the issue of asset securitization from the history of asset securitization, and puts forward the opinion on the development of asset securitization in China.