资产证券化作为一种新的融资方式和投资选项,已成为我国政府相关部委、金融机构及其他国内外市场参与者所关注的课题之一。尽管我国已经有了推行资产证券化的必要,实践中也有了个案的试点,但是资产证券化的成功最主要的还是取决于一国的特定条件,尤其是可能阻碍资产证券化的限制性条件,因此有必要探讨我国资产证券化所面临的困境,并指明其路径选择。 Asset securitization, as a new financing method and investment option, has become one of the topics of concern to government ministries, financial institutions and other domestic and foreign market participants. Although our country already has the necessity to promote the securitization of assets, there are also some pilot cases in practice. However, the success of asset securitization depends on the specific conditions of a country, especially the restrictive conditions that may hinder the securitization of assets. Therefore, it is necessary to explore the plight of asset securitization in our country and indicate its route selection.