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资产证券化是20世纪金融工具的重要创新之一,作为一种新的融资方式和投资选项,从上世纪90 年代中期以来,已成为中国政府相关部委、金融机构及其他国内外市场参与者所关注的课题之一,并被广泛地认为是中国金触市场控制风险的有效手段及其与国际标准接轨过程中不可或缺的一环。从理论上来说, 中国商业银行之所以需要资产证券化主要是由于资产证券化能够提高银行资产运营的效率.从而优化整个经济资源配置的优势:实践上,通过模型来说明资产证券化能提高我国商业银行处理不良资产的效率,为我国的银行改制赢得宝贵的时间。
Assets securitization is one of the important innovations in financial instruments in the 20th century. As a new financing method and investment option, asset securitization has become an important tool for the government ministries, financial institutions and other domestic and foreign market participants since the mid-1990s One of the topics of concern and widely regarded as an effective means of controlling risks in China's gold market and an indispensable part of its integration with international standards. Theoretically speaking, the reason why China's commercial banks need asset securitization is mainly because asset securitization can improve the efficiency of bank assets operation, so as to optimize the advantages of the entire economic resource allocation. In practice, the model illustrates that asset securitization can improve China's The efficiency of commercial banks in dealing with nonperforming assets has won valuable time for the restructuring of our banking system.