中国资产证券化的历史现状及发展浅析  

The Analysis of History and Development of Securitization in China

作　　者：浦江燕 周颖 

机构地区：[1]上海立信会计金融学院,上海201209

出　　处：《上海金融学院学报》2016年第5期46-54,共9页Journal of Shanhai Finance University

摘　　要：20世纪70年代美国住房抵押贷款证券化业务的开展,引领了世界资产证券化的潮流。2005年3月,中国人民银行会同有关部门展开了资产证券化试点工作,通过试点,我国初步建立了资产证券化的交易流程,为中国资产证券化事业的发展打下了基础。自2014年起,我国资产证券化市场呈现爆发式增长。然而在资产证券化产品不断创新的今天,仍需要我们在相关法律法规、交易流程等方面不断完善,借鉴美国的历史发展经验,更好地促进我国资产证券化事业的发展。Since America carried out MBS in 1970s, asset securitization is developing fast through all over the world. In March 2005, People＇s Bank of China with relevant departments started to make experiments of asset securitization. By these experiments, our country set up the preliminary trade process of asset securitization, which laid the foundation of the development of asset securitization. The asset securitization market in China has presented an explosive growth since 2014. The innovations of asset securitization is still going on, which require our continued perfection in relevant laws, regulations and trade process and learn from American＇ s historical experience to accelerate the development of asset securitization in China.

关 键 词：资产证券化 一般贷款证券化 个人住房抵押贷款证券化 融资效率 

分 类 号：F830.91[经济管理—金融学]