信贷资产证券化在我国实施的重要意义与对策思考

信贷资产证券化作为一种新型融资手段,有力地推动了金融和经济的发展,是近30年来世界金融领域最重大的金融创新。实施信贷资产证券化对于提高银行资产的流动性,。盘活银行的不良资产,降低银行的经营风险,完善资本市场结构,推动我国内需的扩大等方面具有重要的意义。为了使信贷资产证券化在我国尽快走上规范发展的道路,当务之急是要尽快完善相关制度、法律环境、建立资产证券化机构,选择重点资产逐步推进。

THE IMPORTANT SIGNIFICANCE AND THE COUNTER-MEASURE CONSIDERATION OF CHINESE CREDIT ASSERT SECURITIZATION

Credit asserts securitization is treated as a new meaning of raising money.It improves on the de-velopment of finance and economy,which has been the important fimancial creation for the 30years.Implement-ing the assert securization will play a important role imn our country. Firstly, it will improve on the fluidity of bank assert and reduce the risk of bank.secondly,it is beneficial to perfect the structure of the capital market.thirdly it will impetus the domestic demand.We must tak emergency measures to make the assert securitization implement in our country.On the one hand, we should perfect the concerned system and found organization of the assert securtization .On the other hand ,we should select fit assert and push on it progressively.