美国次贷危机爆发之后,全球经济遭到重创,损失巨大。在世界经济高速发展的今天,人们不得不停下脚步,开始了对金融衍生产品风险的重视与反思。而资产证券化这一金融创新产品,更是饱受质疑。本文通过对资产证券化内容的解读,分析了次贷危机的成因,并由此提出我国资产证券化发展的策略与启示。 After the U.S. subprime mortgage crisis broke out, the global economy hit hard and suffered huge losses. Nowadays, with the rapid development of the world economy, people have to stop and start their attention and reflection on the risks of financial derivatives. Assets securitization, a financial innovation product, is even more problematic. By analyzing the content of asset securitization, this paper analyzes the causes of the subprime mortgage crisis and puts forward the strategies and implications for the development of asset securitization in China.