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随着P2P网贷行业的多元化发展,我国出现了P2P网贷机构向资产证券化发展和演化的趋势,根据网贷之家统计,截至2015年末有多家P2P平台涉足资产证券化业务,规模逾1000亿元。目前我国的资产证券化可以分为三大类:一是银监会体系下的信贷资产证券化,受中国人民银行、银监会监管,对应的法规为《金融机构信贷资产证券化业务试点监督管理办法》;二是证监会体系下的资产证券化,对应的法规为《证券公司和基金管理公司子
With the diversified development of P2P lending industry, there has been a trend of P2P lending institutions to the development and evolution of asset securitization in our country. According to the statistics of Lending House, as of the end of 2015, a number of P2P platforms were involved in the asset securitization business. The scale More than 100 billion yuan. At present, China’s asset securitization can be divided into three categories: First, the securitization of credit assets under the CBRC system is regulated by the People’s Bank of China and the China Banking Regulatory Commission; the corresponding laws and regulations are the Measures for the Pilot Supervision of Pilot Projects for the Securitization of Credit Assets of Financial Institutions; Second, under the SFC system of asset securitization, the corresponding laws and regulations for "securities companies and fund management companies