一、当前消费信贷资产证券化的大环境现阶段我国国民经济平稳缓慢增长,受到需求减弱、经济下行下结构调整的困难等因素的影响,经济发展呈现“新常态”;预计未来经济下行在短期内难以缓解,长期来看经济增长波动趋于平缓,但经济运行仍面临较多的不确定性。在此经济大环境下,资本市场正面临崛起与转型的阶段,对证券市场中风险把控以及运营操作做出更严格的规范。同时国家为大力鼓励资本市场的发展,适时出台一系列有益于证券市场发展的政 I. The Current Environment for the Consumer Credit Assets Securitization At the present stage, the national economy of our country has been growing steadily and slowly. Affected by such factors as the weakened demand and the structural adjustment under the economic downturn, the economic development has shown a “new normal”; the future economic downturn It is difficult to ease in the short term. In the long run, the fluctuation of economic growth tends to be gentle. However, the economic operation still faces more uncertainties. In this economic environment, the capital market is facing a stage of rise and transformation, and stricter regulation on risk control and operation in the securities market. At the same time, the state vigorously encourages the development of the capital market and releases a series of policies in a timely manner to benefit the development of the securities market