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信贷资产证券化是世界金融领域最重大的创新之一。信贷资产证券化产品的推出,无疑对调整银行的资产结构、收入结构,活跃金融市场,解决间接融资比例过高的问题,都将产生积极而深远的影响。本文将从推动信贷资产证券化的动因出发,分析在实施信贷资产证券化过程中所面临的问题,并在此基础上提出相应的防范措施。
Credit asset securitization is one of the most significant innovations in the world financial field. The introduction of credit asset securitization products undoubtedly will have a positive and far-reaching impact on the adjustment of the bank’s asset structure, income structure, active financial markets and the solution to the problem of over-proportioning of indirect financing. Based on the motivation of promoting the securitization of credit assets, this article analyzes the problems in the process of implementing the securitization of credit assets, and puts forward corresponding precautionary measures.