自2005年中国开始资产证券化试点以来,发展缓慢而曲折。受美国次级抵押贷款危机影响,迫使在试点领域开始的资产证券化进入停滞阶段。如何发展中国资产证券化是中国金融的核心问题。本文讨论了中国资产证券化现状及存在的问题,并提出相应的对策和建议,为相关研究人员提供参考。 Since China started its pilot program of asset securitization in 2005, its development has been slow and tortuous. Affected by the subprime mortgage crisis in the United States, the asset securitization begun in the pilot area was forced to come to a standstill. How to develop China’s asset securitization is the core issue of China’s finance. This article discusses the status quo and existing problems of asset securitization in China, and puts forward corresponding countermeasures and suggestions to provide relevant reference for researchers.