商业银行开展信贷资产证券化业务的现实选择与政策建议

发布时间：2018-01-13 18:38

本文关键词：商业银行开展信贷资产证券化业务的现实选择与政策建议　出处：《金融监管研究》2016年10期 　论文类型：期刊论文

【摘要】：信贷资产证券化既有利于银行盘活存量、提升资产流动性、优化资产负债结构、增加中间业务收入,也有利于缓解实体经济融资难、融资贵难题。我国信贷资产证券化业务历经多轮试点走向常态化发展,但在监管、法律、配套体系建设和具体操作层面,还存在很大的改进空间。鉴于此,本文通过分析我国信贷资产证券化业务发展的现状及面临的挑战,结合通过中外比较分析得到的经验启示,提出商业银行进一步开展信贷资产证券化业务的现实选择和对于优化信贷资产证券化业务健康发展外部环境的相关政策建议。
[Abstract]:Credit asset securitization is conducive to revitalize the stock of bank, improve liquidity, optimize the structure of assets and liabilities, the increase in intermediate business income, but also conducive to ease the financing difficulties of the real economy, financing of the problem. China's credit asset securitization business after several rounds of the pilot to normal development, but in the supervision, legal system construction, supporting and the operation level, there are still a lot of room for improvement. In view of this, this paper analyzes the status quo of China's credit asset securitization business development and challenges, through the combination of comparative analysis experience inspiration, puts forward a practical choice for commercial banks to carry out credit asset securitization business and related policies for the external environment of credit the asset securitization business healthy development of the proposal.

【作者单位】：北京银行;
【分类号】：F832.51;F832.33
【正文快照】： 一、引言资产证券化发源于20世纪70年代的美国,被誉为是“20世纪最伟大的金融创新之一”。其初衷是为了缓解金融市场流动性紧张,满足金融机构对金融功能急剧增长的需求。经过近半个世纪的发展,资产证券化业务创新不断丰富,业务规模快速增长。特别是在次贷危机之后,资产证券化

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