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纵观信贷资产证券化进入我国的这10年,其发展仍处于以试点为主的起步阶段。本文回顾了我国信贷资产证券化的发展历程,简要介绍了试点重启的现状及意义,重点分析了面临的问题,并提出了对策。在保证我国信贷资产证券化平稳有序开展的基础上,借助于信贷资产证券化的再融资功能,缓解商业银行在资金方面约束,解决中小企业融资难问题,进而推动我国经济和金融市场的发展。
Throughout the 10 years since the credit asset securitization entered our country, its development is still in the initial stage of pilot projects. This paper reviews the development of credit asset securitization in China, briefly introduces the status quo and significance of pilot rebooting, analyzes the problems faced and puts forward countermeasures. On the basis of guaranteeing the smooth and orderly development of the securitization of credit assets in our country, with the help of the refinancing function of securitization of credit assets, we can ease the financial constraints of commercial banks and solve the financing difficulties of small and medium-sized enterprises, so as to promote the development of China’s economy and financial markets .