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2013年以来,国内资产证券化呈现出加速发展的态势,这一创新性的融资方式正在成为商业银行转型的利器。资产证券化的实质,就是通过将缺乏流动性、但具有可预期收入的资产,经过一定的结构安排,转换成为在金融市场上可以出售和流通的证券,由此加速资产的流动,重新配置金融资源,提高整个社会的经济金融运行效率。信贷资产证券化可以有效盘活银行存量资金,为市场创造流动性和分散风险,优化金融资源配置,助推经济转型和支持实体经济发展。党中央、国务院基于对国内整体经济形势与金融发展阶段的准确研判,在金融改革的总体设计中,作出了发展资产证券化的战略性部署。
Since 2013, domestic asset securitization has shown a trend of accelerated development. This innovative financing method is becoming a weapon for the transformation of commercial banks. The essence of asset securitization is to transform the assets that lack liquidity but have expected income into certain securities that can be sold and circulated in the financial market through certain structural arrangements so as to speed up the flow of assets and reallocate finance Resources, and improve the economic and financial efficiency of the entire society. Securitization of credit assets can effectively activate the stock of bank deposits, create liquidity and diversify risks in the market, optimize the allocation of financial resources, boost economic restructuring and support the development of the real economy. Based on an accurate assessment of the overall domestic economic situation and the stage of financial development, the Central Party Committee and the State Council have made strategic arrangements for the development of asset-backed securities in the overall design of the financial reform.