日前中国人民银行、银监会、财政部联合下发《关于进一步扩大信贷资产证券化试点有关事项的通知》(以下简称《通知》),根据国务院的批复,本次试点额度共计500亿元。在当前欧债危机日趋复杂和中国经济增速放缓的背景之下,信贷资产证券化的重启,不仅有助于扩大直接融资和整个银行体系的信贷投放空间,更有利于分散我国银行体系风险。 Recently, the People’s Bank of China, the China Banking Regulatory Commission and the Ministry of Finance jointly issued the Circular on Further Expanding the Pilot Project of Credit Asset Securitization (hereinafter referred to as “the Circular”). According to the approval of the State Council, the pilot amount totaled 50 billion yuan. Under the background that the current European debt crisis is becoming more complicated and the economic growth in China is slowing down, the restart of securitization of credit assets will not only help to expand the direct financing and credit space for the entire banking system, but also be more conducive to diversifying the banking system risk in China .