摘要
资产证券化业务始于上世纪90年代中期,2005年我国开始进行信贷资产证券化的第一次试点,2012年、2013年又先后启动了信贷资产证券化的第二、三次试点工作。第三次试点进一步扩大信贷资产证券化,优质信贷资产证券化产品可在交易所上市交易,标志着我国在信贷资产证券化领域的飞速发展。伴随着该项业务的发展,诸多问题也逐渐浮出水面,例如法律法规问题、资产质量问题、信用评级等问题。文章对我国信贷资产证券化的发展历程做了一个梳理,对试点过程中凸显的问题做深入剖析,并对我国的信贷资产证券化的开展提出诸如审慎选择基础资产、合理架构SPV、营造良好外部环境等发展对策,以促进我国信贷资产证券化的稳健实施。
The Securitization Of Credit Assets began in the middle of 1990s In China. The first pilot in China was carried out securitization of credit assets in 2005, in 2012, 2013 our country has started the second and the third pilot work securitization of credit assets, especially on August , 2013, August the resolution of State Council executive meeting start third pilot work which clearly will further expand the pilot securitization of credit assets, at the same time, the quality of credit assets securitization pro-ducts can be traded on an ex- change, marking China＇s rapid development in the field of the securitization of credit assets. With the develop- ment of this business, many problems have gradually surfaced, such as legal and regulatory issues, asset quality problems, such as problems of credit rating. In this paper, the development process of credit asset securitization in our country will be analyzed in detail, a thorough analysis of the problems in the process of highlighting the pilot, and in order to Promote the implementation of me credit asset securitization, the paper will put forward some suggestions in development of our country＇s credit asset securitization such as careful selection of basic assets, reason-able structure of SPV,to create a favorable external environment.
出处
《科技创业月刊》
2015年第23期41-44,47,共5页
Journal of Entrepreneurship in Science & Technology
关键词
信贷资产
资产证券化
试点
问题与对策
credit asset securitization pilot Discovered Problems Development Strategies
