信贷资产证券化是指银行等金融机构发放贷款后,把所持有的信贷资产集中起来并重新分割包装成证券,进而转卖给市场上的投资者,实现融资的行为。从长远来看,信贷资产证券化会是与信用融资并重的重要融资方式,它们好比是一部车子的两个轮子,互相补充。我国商业银行信贷资产证 Securitization of credit assets refers to the act of financing by banks and other financial institutions after their loans have been lent, and the credit assets held by them are centralized and repackaged into securities and then resold to the investors in the market. In the long run, credit asset securitization will be an important financing method that pays equal attention to credit financing. They are like two wheels of a car, complementing each other. China’s commercial bank credit asset certificates