我国信贷资产证券化实践与思考

Credit Securitization in China: Practice and Reflection

本文回顾美国资产证券化的基本情况,梳理我国信贷资产证券化发展历程及特点,分析当前资产证券化发展遇到的瓶颈,认为当前我国信贷资产证券化发展仍面临体量偏小、产品单一、供需不旺等问题,并提出进一步扩大信贷资产证券化规模、丰富产品序列、重启不良资产证券化等建议。

This paper reviews the basic situation of asset securitization in the US and the development process and characteristics of credit securitization in China, analyzes the current obstacles of asset securitization development, and considers that China credit securitization market faces problems such as small market sizes, single product, and weak supply and demand. This paper suggests further expansion of credit securitization market size, product diversification, and re-launching securitization of non-performing assets.