信贷资产证券化的几个基本问题1、信贷资产证券化的概念资产证券化是一项以提高流动性和融资为目的的金融创新。传统的商业银行,作为资金融资的中介,存在着资产和负债在流动性和期限方面不匹配的局限性。一般而言,资金来源流动性高、期限短,而资金运用（主要是贷款）流动性差、期限长。正是由于商业银行资产和负债在流动性和期限上的不相匹配,加之金融业的激烈竞争,使银行内部存在信贷资产证券化的迫切要求,这一金融创新在发达国家起步早,发展也很普遍,在我国还几乎是空白。但随着我国资产流动性问题的日益突出,证券市场的发展尤其是专门经营处置不 Several basic issues of credit asset securitization 1, the concept of credit asset securitization Asset securitization is a financial innovation aimed at improving liquidity and financing. Traditional commercial banks, as intermediaries of financing, have the limitation that the assets and liabilities do not match in terms of liquidity and maturity. Generally speaking, the sources of funds are highly liquid and have a short period of time. However, the use of funds (mainly loans) is not liquid and has a long period of time. It is precisely because of the mismatch of liquidity and maturity of assets and liabilities of commercial banks and the fierce competition of the financial industry that urges banks to securitize their credit assets urgently. This financial innovation has started early in the developed countries and has also been developed Very common in China is almost blank. However, with the increasingly prominent problem of asset liquidity in our country, the development of the securities market, especially the specialized management does not