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2007年我国启动了第二批信贷资产证券化试点,同时加快了资产证券化的制度创新,资产证券化产品的市场规模在2006年的基础上快速增加,流动性显著改善,市场成长迅速。资产证券化对于商业银行尤其重要。正如中国工商银行行长杨凯生所说,“资产证券化业务的推出,既有利于我国商业银行的转型,也有利于我国资本市场的发展。”可以认为,随着监管部门对资产证券化业务的大力推动、资产证券化外部环境的改善以及资产证券化参与主体的多元化,商业银行对各种资产进行证券化将是一种常态。
In 2007, China launched the second batch of credit asset securitization pilot projects and accelerated the institutional innovation of asset securitization. The market size of asset-backed securitization products increased rapidly on the basis of 2006 with significant improvement in liquidity and rapid market growth. Asset securitization is especially important for commercial banks. As Yang Kaisheng, president of Industrial and Commercial Bank of China, puts it, “The introduction of asset securitization business will not only help the transformation of China’s commercial banks but also facilitate the development of China’s capital markets.” "It can be argued that as the regulator regulates asset securitization The vigorous promotion of business, the improvement of the external environment of asset securitization and the diversification of participants in asset securitization will make commercial banks securitization of various assets a normal condition.