我国信贷资产证券化初探

随着我国加入WTO后金融业全面对外开放，制定一套能够切实有效解决银行资产流动性、安全性和盈利性的方案成为我国商业银行的迫切需求，借鉴和引进新的经营方式和经营管理理念成为我国商业银行的必然选择。基于此，研究信贷资产证券化在我国的发展具有重要的理论价值和现实意义。

The Initial Exploration of Securitization of Credit in China

Since the China＇s entry of WTO, The finance and banking of China has started to open up to the outside world completely. So formulating a set of schemes, which effectively solve the problems of fluidity, security and profit making of band assets are the urgent need of the commercial banks of China. Borrowing and introducing new mode of management and new concept of management become the inevitable choice of commercial banks in China. Based on this premium, the research on the development of securitization of credit in China has significant theoretical value and practical meaning. The article concluded commercial innovative experience of implementing the securitization of credit in America, analyzed the barriers in implementing this system in China, and proposed some strategies for implementing the securitization of credit in China.