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截至目前,我国资产证券化的基础资产的品种已从最初的住房抵押贷款发展到不良资产、大型公用基础设施收费、大型公司应收款等。笔者认为,在考虑到资产本身的安全性、流动性以及发起人的主观意愿程度的基础上,切实结合我国国情进行资产证券化品种创新,寻求安全可靠的基础资产进行证券化运作对于资产证券化的开展乃至国民经济的健康发展具有重要意义。本文将从供求两方面对证券化资产的选择进行讨论,同时促进证券化资产供给与需求达到平衡。
Up to now, the varieties of our country’s asset-backed securitization have evolved from initial mortgage loans to non-performing assets, large-scale public infrastructure charges and large corporate receivables. The author believes that taking into account the safety of the assets themselves, the liquidity and the sponsor’s subjective intention, based on the actual situation of our country’s asset-backed securities innovation, seeking safe and reliable base assets for securitization of operations for asset securitization And carry out the healthy development of the national economy is of great significance. This article will discuss the selection of securitized assets from both supply and demand, and at the same time promote the balance between supply and demand of securitized assets.