资产证券化的障碍与对策

发布时间：2018-01-13 08:45

本文关键词：资产证券化的障碍与对策　出处：《中国金融》2014年10期 　论文类型：期刊论文

【摘要】：资产证券化有助于银行调整资产负债表和信贷结构,降低企业融资利率、调整存量债务结构、化解当前地方融资债务难题,符合政府经济工作中"盘活存量""着力防控债务风险"的思路,但经过多年实践,目前还处于试点阶段,资产证券化从理论走向实践依然障碍重重,制度环境和市场认可度都亟需提升。为此,本刊约请了相关专家、监管及从业人员,从发展障碍、创新实践、评级分析、定价分析、风险自留、国际借鉴等角度,对资产证券化业务发展问题进行了探讨,思考如何推动资产证券化业务常态化、成熟化。
[Abstract]:Asset securitization is helpful for banks to adjust balance sheet and credit structure, reduce enterprise financing interest rate, adjust stock debt structure, and resolve the current local financing debt problem. In line with the idea of "invigorating stock" and "focusing on preventing and controlling debt risk" in the government's economic work, but after many years of practice, it is still in the pilot stage, and asset securitization still has many obstacles from theory to practice. The institutional environment and market recognition are in urgent need of upgrading. For this reason, we have invited relevant experts, regulators and practitioners, from barriers to development, innovation practices, rating analysis, pricing analysis, risk retention. This paper discusses the development of asset securitization business from the international perspective, and discusses how to promote the normalization and maturity of asset securitization business.
【作者单位】：国开证券有限责任公司;
【分类号】：F832.51
【正文快照】： 2013年,国务院提出“金融支持转型”“盘活资产存量”促进实体经济发展的理念,从而使能够控制优质存量资产的资产证券化方式再次被寄予厚望。鉴于资产证券化有行业属性特征,借助资产证券化的发行可以直接调整资产负债表和信贷结构——贷款方向和贷款期限,通过央行与商业银行的

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