我国商业银行资产证券化的发展

我国商业银行自2005年实行资产证券化以来，在转移风险、提高收益，开辟新的融资渠道，增强盈利能力，缓解日益趋紧的流动性等方面成效显著。借鉴美国此次次贷危机的经验和教训，我国政府应当为商业银行的资产证券化提供良好的金融和法律环境。同时，商业银行更应当加强自身风险管理以保证资产证券化长期稳定发展。

Analysis of Asset Securitization of Commercial Banks in China

Asset securitization, which has been carried out by commercial banks in China, has shown prominent effects in transferring risk, raising revenue, opening up new channels of funding, increasing profits, and alleviating tight liquidity. The government should provide a more favorable financial and legal environment for asset securitization of commercial banks and the latter should also tighten risk management to insure a stable development of asset securitization.