浅谈资产证券化的意义

Discussion on Meanings of Asset-backed Securities

资产证券化 (Asset -backedSecurities ,ABS)是近 30年来国际金融领域发展最迅速的金融创新工具 ,商业银行进行资产证券化可以提高商业银行资产流动性 ,分散风险 ,提高资产的安全性 ,改善资产负债管理 ,有利于推进我国资本市场的发展 ,有利于我国资本市场的完善 ,提高商业银行的资本充足率。

s:ABS is the financial innovation tool which has been developed rapidly in the field of the international finance in recent 30 years. ABS can improve mobility of assets of commercial banks, decentralize the risk, and improve the security of the assets and the management of assets-liabilities. ABS is also beneficial to the development and perfection of our country's capital market and raise the capital sufficient rate of the commercial bank.