我国资产证券化金融稳定与创新研究  

Asset Securitization in the Perspectives of Financial Stability and Innovation

作　　者：黄英[1] HUANG Ying(Faculty of Law, Party School of CPC Committee of Liaoning Province, Shenyang 110004, Liaoning Province, China)

机构地区：[1]中共辽宁省委党校法学部,辽宁沈阳110004

出　　处：《沈阳农业大学学报（社会科学版）》2016年第5期538-542,共5页Journal of Shenyang Agricultural University(Social Sciences Edition)

基　　金：辽宁省哲学社会科学规划基金(L16CJY008)

摘　　要：中国资产证券化发展至今,无论从发行规模还是产品结构设计上都取得了丰硕成果。资产证券化作为激活存量资产、提高资金配置效率的新型融资工具,无论对实体经济还是金融企业发展转型都有积极的促进作用。从金融稳定和金融创新角度看,在对资产证券化理论认识的基础上,发现中国资产证券化存在信用评级不完善、发起主体比较单一和市场有效需求不足等重点问题。因此,为保证中国资产证券化金融稳定与创新,应该加强信息披露体系建设,完善和稳定金融监管体系,扩大资产证券化产品市场需求,规范和开发资产证券化产品,完善资产证券化法律体系。Asset securitization in China has achieved fruitful results from the size of issuance to the design of products. As new financing vehicle for the activation of stock assets and the improvement of the fund allocation efficiency, asset securitization plays a positive role in promoting the development of real economy and the transformation of financial enterprises. In the perspectives of financial stability and innovation and on the basis of the understanding of the theory of asset securitization problems are found out to exist in asset securitization： Credit rating is incomplete; sponsorial subjects are unitary relatively; and there is lack of demand to market. To ensure the financial stability and innovation needed by the asset securitization in China the information disclosure system should he strengthened, the financial regulation system completed and stabilized, the market demand for securitized assets increased, securitized assets regulated and developed, and the legal system for asset securitization completed.

关 键 词：资产证券化 风险隔离 金融稳定 金融创新 金融监管体系 

分 类 号：F830.9[经济管理—金融学] F832.5