市场化分散信贷风险的产品研究

Research on Market-based products for credit-risk diversification

综合经营是金融全球化的趋势及其对中国金融发展的要求。推进我国金融业综合经营的前提首先在于化解和分散银行业巨大的信贷风险。该文从国外市场化分散信贷风险的历史演进着手．结合目前我国金融改革的实践，提出了我国以市场化手段分散信贷风险的发展方向。

Mixed operation is the trend of financial globalization as well as the requirement for China＇s financial development. The first step towards boosting China＇s financial mixed operation is to dissolve and diversify the huge credit risks in the banking system. After reviewing the evolution of credit risk diversification in overseas markets, this paper, coupled with China＇s current practice in financial reforms, lays out directions for credit risk diversification in a market-oriented way.