| 我国信贷资产证券化信托模式研究 |
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| 引用本文： | 赵息,孟庆玲,白斌. 我国信贷资产证券化信托模式研究[J]. 电子科技大学学报(社会科学版), 2006, 8(2): 21-23,34 |
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| 作者姓名： | 赵息 孟庆玲 白斌 |
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| 作者单位： | 天津大学 300072 |
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| 摘 要： | 信贷资产证券化,作为一项金融技术,是崭新的公司理财模式。运用它可以解决我国资本金不足、不良资产比重高、流动性差、运作效率低等问题。但具体采用哪种模式来实现之,仍存在很大争议。本文从我国信托市场的融资功能、信托产品的收益优势和实施证券法以来的效果等几方面进行分析,得出资产证券化信托运作模式在我国目前的制度下是可行、有效的,并具有普遍实践意义的结论。
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| 关 键 词： | 信贷资产 资产证券化 信托运作模式 |
| 文章编号： | 1008-8105(2006)02-0021-03 |
| 修稿时间： | 2006-01-15 |
Trust Process of Loan Securitization in China |
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| ZHAO Xi,MENG Qing-ling,BAI Bin. Trust Process of Loan Securitization in China[J]. Journal of University of Electronic Science and Technology of China(Social Sciences Edition), 2006, 8(2): 21-23,34 |
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| Authors: | ZHAO Xi MENG Qing-ling BAI Bin |
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| Affiliation: | 天津大学,300072 |
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| Abstract: | As a new financing practice,loan securitization may dilute non-performing loans,improve asset liquidity and operating effectiveness.But it is being argued that which model should be adopted.This paper attempts to analyze the problem from the function of Chinese loan market,profit advantages of trust product and the effect of carrying out the Security Law.As a result,the paper addresses its conclusion that SPT(Special purpose Trust) process is practicable,effective,and widely applicable to asset securitization under present institutional bindings of China. |
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| Keywords: | loan asset asset securitization SPT process |
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