信贷资产证券化的相关法律问题及应对措施  

Legal Issues and Countermeasures on Securitization of Credit Assets

作　　者：王京[1] 

机构地区：[1]西南政法大学民商法学院,重庆401120

出　　处：《重庆与世界（学术版）》2013年第11期52-55,共4页THE WORLD & CHONG QING

摘　　要：信贷资产证券化作为一种金融衍生工具,可以缓解当前中小企业融资难的局面,改善金融资产的流动性,提高银行资本的充足率。但是,作为一种从国外借鉴的金融创新产品,在我国实施过程中仍然存在着不少问题,立法工作存在滞后。本文就此探讨信贷资产证券化试点中存在的相关法律问题并对专门立法提出相关建议。Securitization of credit assets is a kind of financial derivatives, which can help to alleviate the current difficult situation of small and medium sized enterprises （SME） financing, to improve the liquidity of financial assets, and to improve the bankg capital adequacy ratio. However, as a reference from overseas financial innovation, there are still many problems in its implementation process in China and the relevant legislation lags. This paper aims to explore the relevant legal issues existing in the pilot project of securitization of credit assets, and further, to make relevant advice for the specific legislation.

关 键 词：信贷资产证券化 SPV的法律地位 债权转让 真实出售 

分 类 号：D922.287[政治法律—经济法学]