保险资管产品发展策略

发布时间：2018-05-12 11:24

本文选题：证券化业务 + 信贷资产证券化　；参考：《中国金融》2015年18期

【摘要】：正与银行的信贷资产证券化业务相比,保险资管公司开展证券化业务,并不是简单地从表内资产向表外腾挪,而是实实在在要寻找"基础资产"资产证券化是资本市场融资的一个重要渠道,其可以将大量缺乏流动性但可以产生现金流的存量资产盘活,还可以在一定程度上减轻地方政府财政压力,对于改善中小企业融资难,提高资产流动性,增强金融体系的稳定
[Abstract]:Compared with the credit asset securitization business of banks, the securitization business carried out by insurance fund management companies is not a simple move from the assets in the balance sheet to the outside. Rather, they are really looking for "underlying assets" securitisation, which is an important channel for capital market financing, which can revive a large number of illiquid but cash-generating stock assets. It can also alleviate the financial pressure of local government to a certain extent, improve the financing difficulty of small and medium-sized enterprises, increase the liquidity of assets, and enhance the stability of the financial system.
【作者单位】：中国人保资产管理股份有限公司;
【分类号】：F842

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