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现今社会,资产证券化已经逐渐成为一种被广泛采用的金融创新工具而得到了迅猛发展。资产证券化不仅有助于银行分流储蓄资金,也能有助于改善资本的充足率,加快资产周转提高银行获利能力,从而维护金融稳定。我国资产证券化仍处于初级阶段,银行资产证券化更是面临着多重障碍与阻力。本文一共分为四个部分,就我国银行资产证券化问题进行研究。第一部分主要阐述银行资产证券化的相关概念;第二部分首先对我国银行资产证券化实践进行回顾,并指出其在发展意义以及存在的问题;第三部分重点分析我国与美国等发达资本主义国家之间资产证券化的差距;第四部分为针对我国银行资产证券化问题提出的建议,阐明其发展的必要性。
In today’s society, asset securitization has gradually become a widely used financial innovation tool and has been developed rapidly. Securitization not only helps banks diversion of savings funds, but also helps to improve the capital adequacy ratio, speed up asset turnover and improve bank profitability, so as to safeguard financial stability. China’s asset securitization is still in its infancy. Bank securitization faces even more obstacles and obstacles. This article is divided into four parts altogether to study the issue of asset securitization in our country. The first part mainly describes the related concepts of bank asset securitization. The second part reviews the practice of asset securitization in our country and points out its significance and existing problems. The third part focuses on the analysis of the securitization of China’s advanced capitalist countries Between the securitization of assets, the gap between the fourth part of our bank for the issue of asset-backed securities recommendations to clarify the necessity of its development.