摘要
实施信贷资产的证券化,对于提高我国金融效率,防范金融风险,具有重要的现实作用。根据资产证券化的要求和我国具体国情,可将住房抵押贷款和基础设施收费作为我国信贷资产证券化的首选目标。只有在政府的积极支持和参与下,建立特设机构、培育需求主体、发展债券市场,完善相关的法律法规体系,才能保证信贷资产证券化的顺利实施和健康发展。
It is practically important to bondize credit loans in improving financial efficiency and avoiding monetary risk. According to the requirement of capital bondization and Chinese national situation, we may regard loans on housing and basic facilities as the first target in the bondization of crdeit loans. With the support and joining of the government, we can establish special institutes, better relative legal system, develop stock market to ensure a smooth and healthy practice of the bondization of credit loans.
关键词
信贷资产证券化
动力机制
路径选择
制度安排
bondization of credit loans
power mechanism
path selection
system arrangement
