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二十世纪是世界金融飞速发展的时代,新型的资产证券化金融形式应运而生,它在全球范围的经济体制迅速普及并加以应用,成为一项强有力的金融工具,与银行、保险金融机构相抗衡,形成了三分天下的局面。但它在金融市场运行过程中出现的次贷危机,给它带来了负面冲击,使交易和投资金融行为受到影响,划为“雷池”之地。本文通过分析金融市场中的金融体制和经营特征,剖析资产证券化的运行机理,阐述其对国民经济发展带来的经济效应。
The twentieth century is an era of rapid development of world finance. A new form of financial asset securitization emerged as the times require. Its rapid popularization and application in the global economic system has made it a powerful financial tool, in cooperation with banks, insurance financial institutions Phase contend, formed a one-third of the world situation. However, the subprime mortgage crisis that emerged during its operation in the financial market has had a negative impact on it. As a result, the trading and investment financial activities have been affected and the land is classified as a “mine pool.” By analyzing the financial system and operating characteristics in the financial market, this paper analyzes the operating mechanism of asset securitization and expounds its economic effect on the national economic development.