论我国商业银行资产证券化的困境与出路

Comments on the Strategic Implementation Of the Asset Securitisation in China

资产证券化就是把非流动性的资产转变为流动性的证券,它是一项复杂、专业化程度高、技术性强的系统工程。我国商业银行的不良资产短期内还难以满足资产证券化的基本条件。由于条件相对比较成熟,加之我国近年来商品房市场发展十分迅速,所以我国银行资产证券化可以考虑从住房抵押贷款切入。只有把银行业高效的微观运作与宏观政策及制度有机结合,才能积极稳健地推进我国银行业资产证券化。

At present, asset securitization has been a popular financing method in the international capital market. There is a prospective future and some advantages for mortgage-backed security as well as many restrictive factors and hindrances existing in the realities of the day. Regulations should be set up for the solution of the problem of restraint from objective conditions.