摘要
我国商业银行首次发行的“建元”和“开元”两只信贷资产债券的技术设计表明,在当前我国金融机构存在较严重的存贷差的条件下,商业银行的资产证券化创新动力实际上是不足的。政府管理层应尽快扩大资产证券化市场的规模,以刺激商业银行的创新动力。资产证券化本身也需要在技术层面上不断地创新。
The technical design of the two credit asset bonds Jianyuan and Kaiyuan which were initially issued by our commercial banks shows that given the present large amount of deposit balance in our financial organizations,the commercial banks actually lack motivations for asset-backed securitization(ABS) innovation.So the management layer of the government should pay attention to expanding the market scale for ABS as soon as possible to stimulate the motivations for innovation of the commercial banks.The mechanism of ABS needs continual technological innovation too.
出处
《中南财经政法大学学报》
CSSCI
北大核心
2007年第4期82-85,共4页
Journal of Zhongnan University of Economics and Law
基金
上海市哲学社会科学规划课题"我国证券市场创新的适应性机制及经济效应研究"(2006BJL004)
关键词
资产证券化
创新
市场规模
Assets Securitization
Innovation
Market Scale