论现阶段我国推行资产证券化的可行性

起源于美国70～80年代的资产证券化这一全球金融创新工具,经过近30年的发展与完善,已得到世界各国的效仿,目前也引起我国各界的普遍关注.根据资产证券化的基本内涵及其操作原理,我国现阶段推行资产证券化存在着一定的客观障碍,但也有可行性.只要不断深化金融体制改革,完善相关法律法规,消除一些片面认识,资产证券化完全可以成为我国银行资产业务运作的目标模式.

The Practicability of the Implementation of Asset Securitization in Present- day China

Asset securitization, a new financial practice in the world, was started in the U.S. during 1970's and 1980's. After almost thirty years of development and improvement, the practice has been simulated in many countries and has thus aroused the interest of personalities of various circles in China. In terms of the basic idea of asset securitization, it will certainly meet with some barriers for China to carry out such a practice. However, asset securitization is possible here. If China intensifies the reform of the financial system, perfects the laws and regulations concerned and removes the one-sided views, asset securitization can certainly be applied in the country as the objective model for its bank asset operation.