随着近几年来我国经济的蓬勃发展,金融人士开始对金融市场进行大力创新,资产证券化便是近几年来应运而生的重要金融工具。商业银行资产信贷证券化业务可以有效将流动性较差的资金灵活转化为可在金融市场中出售、流通的证券。但在为金融市场带来巨大效益的同时也伴随着极大的风险,因此要对资产证券化过程中的风险进行预判及转移才能确保该项金融工具可以更为广泛、安全地使用。综上所述,本文将对商业银行信贷资产证券化业务的风险管理进行简单的探究,旨在完善该金融业务的运营模式并有效规避风险。 With the vigorous development of China’s economy in recent years, financiers began to make great efforts to innovate financial markets. Securitization of assets is an important financial instrument that has emerged in recent years. Asset-backed securitization of commercial banks can effectively convert illiquid funds into securities that can be sold and traded in financial markets. However, it brings great benefits to the financial market with great risks. Therefore, the pre-judgment and transfer of risks in the process of asset securitization can ensure that the financial instruments can be used more widely and safely. In summary, this article will briefly explore the risk management of commercial banks’ credit asset securitization business in order to perfect the operation mode of the financial business and effectively avoid the risks.