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发端于美国等发达国家的信贷资产证券化,是上世纪70年代问世的全球金融创新的重要产品之一,自诞生以来,就以锐不可挡之势席卷了全球金融业,引发了一场旨在改善商业银行资产结构、提高银行资本充足率、提高银行竞争力和降低业务经营风险的金融革命。经过近30年的长足发展,现已成为发达国家大宗金融交易产品。信贷资产证券化是以具有一定数额的独立价值和生息特性的货币资产转化为证券化金融工具,一般操作程序是:银行作为原始权益人把一组欲转换成流动性的资产直接或间接地组成资产集合,对
Credit asset securitization originated in the developed countries such as the United States is one of the important products of global financial innovation that came out in the 1970s. Since its inception, it has swept over the global financial industry with an overwhelming momentum, triggering a In the financial revolution to improve the asset structure of commercial banks, raise the capital adequacy ratio of banks, enhance the competitiveness of banks and reduce the risk of business operations, After nearly 30 years of rapid development, it has become the bulk of financial transactions in developed countries. The securitization of credit assets is the conversion of monetary assets with a certain amount of independent value and interest-bearing characteristics into securitized financial instruments. The general operating procedures are as follows: the bank, as the original proprietor, directly or indirectly sets a group of assets to be converted into liquidity Assets, right