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资产证券化(Asset-Backed Securitization,简称ABS)是近30年来世界金融领域最重大和发展最迅速的金融创新和金融工具,现已成为国际资本市场上广为流行的融资方式。资产证券化是将缺乏流动性但具有预期未来稳定现金收入的资产汇集起来,形成资产池,在资本市场上进行直接融资的过程。本文从资产证券化运作的阶段和相关利益主体出发,分析了资产证券化作为一种新的融资手段存在的问题,并提出了对策建议。
Asset-Backed Securitization (ABS), the most significant and fastest-growing financial innovation and financial tool in the world financial field in the past 30 years, has become a widely used financing method in international capital markets. Asset securitization is the process of pooling assets that lack liquidity but have expected future steady cash income to form a pool of assets and make direct financing in the capital market. Based on the stage of asset securitization and related stakeholders, this paper analyzes the problems of asset securitization as a new financing method and puts forward countermeasures and suggestions.