银行信贷资产证券化现实意义与发展建议

The Practical Significance and Development Suggestion of Banks' Credit Asset

由于信贷资产证券化具有合理配置资源、优化资产结构、分散经营风险、提供资金流动性等众多优势,成为商业银行加强研究、积极拓展的重点业务。本文阐述了信贷资产证券化的含义和发展进程,并就其现实意义做了深入分析,最后立足商业银行视角提出了发展建议。

The credit asset possesses many advantages, such as rationally readjust resource altocatlon, optimize assets structure, disperse operational risks, enhance capital liquidity, which has become the key business to study and develop. This paper expounds the implication and development process, then analyzes the practical significance, final- ly puts forward some relevant suggestions based on the basis of commercial bank views.