伴随着美国次贷危机负面影响的不断扩大,对资产证券化的质疑开始成为焦点—到底还要不要开展资产证券化业务;到底如何才能稳健地开展资产证券化业务都已成为社会所热切关注和探讨的问题。本文在美国次贷危机背景下,通过介绍资产证券化的流程与原理,分析了我国资产证券化的现状和障碍,最后提出促使资产证券化健康发展的个人建议。 With the continuous expansion of the negative impact of the subprime mortgage crisis in the United States, the questioning of asset securitization has become the focus - in the end, it is necessary to conduct asset-backed securitization business. In the end, how to conduct asset-backed securitization business steadily has become a concern in society Explore the problem. This paper analyzes the status quo and obstacles of asset securitization in our country under the background of the subprime mortgage crisis in the United States by introducing the process and principle of asset securitization. Finally, we put forward personal suggestions to promote the healthy development of asset securitization.