我国信贷资产证券化风险防范机制设计研究

Mechanism Design of Risk Prevention on Credit Asset Securitization

随着资产证券化业务的全面放开,资产证券化市场将迎来前所未有的机遇和挑战。本文以资产证券化中设计、运作相对较为规范的信贷资产证券作为风险防范机制设计的突破口,旨在为整个资产证券化市场的风险防范做出有益尝试。本文结合国外资产证券化风险管理经验和我国资产证券化管理现状,探索在风险预警及应急机制的建立、信贷资产证券化的审慎管理、长期体制改革等方面构建一体化、多层面、多维度的风险防范机制框架,及时消除信贷资产证券化的各类风险隐患。

With the wide development of the asset securitization,the market faces unprecedented chances andchallenges. The article aims to explore the whole asset securitization＇s risk prevention on the basis of credit asset securi-tization. Combine with foreign asset securitization risk management and national current situation of asset securitization,the article explores to bulild a integrated perfect frame including early warning mechanism,prudent management,longterm system reform of credit securitization in order to eliminate all sorts of potential risk of credit securitization.