对我国目前银行来说 ,资产证券化有助于解决大量不良资产、优化金融资源的配置 ,从而具有重要的现实意义。本文对我国银行资产证券化的运作程序以及它的影响进行了初步探讨。 For the current banks in our country, asset securitization helps to solve a large number of non-performing assets and optimize the allocation of financial resources, which is of great practical significance. This article has carried on preliminary discussion to our country bank securitization operating procedure and its influence.