商业银行开展信贷资产证券化业务的现实选择与政策建议  

Realistic Choices and Policy Proposals of Loan Securitization for Banks

作　　者：闫冰竹 

机构地区：[1]北京银行

出　　处：《金融监管研究》2016年第10期55-68,共14页Financial Regulation Research

摘　　要：信贷资产证券化既有利于银行盘活存量、提升资产流动性、优化资产负债结构、增加中间业务收入,也有利于缓解实体经济融资难、融资贵难题。我国信贷资产证券化业务历经多轮试点走向常态化发展,但在监管、法律、配套体系建设和具体操作层面,还存在很大的改进空间。鉴于此,本文通过分析我国信贷资产证券化业务发展的现状及面临的挑战,结合通过中外比较分析得到的经验启示,提出商业银行进一步开展信贷资产证券化业务的现实选择和对于优化信贷资产证券化业务健康发展外部环境的相关政策建议。Loan securitization is conducive to revitalize the asset of banks, improve liquidity, optimize the structure of assets and liabilities, increase the intermediate business income, and conducive to ease the financing difficulties of the real economy. China＇s loan securitization business has experienced many rounds of pilot experiments, but at the regulatory, legal, supporting system construction and the specific operational level, there is still a lot of room for improvements. Therefore, through the analysis of the status quo of China＇s loan securitization business development and the chaUenges it faces, combined with comparative analysis to get the experience and inspiration, this paper puts forward the realistic choices of expanding loan securitization business for commercial banks and related policies to improve the external environment of conducting loan securitization business

关 键 词：信贷资产证券化 风险自留与豁免 跨部门监管 统一系统平台 基础资产选择 

分 类 号：F832.4[经济管理—金融学]