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20世纪70年代初期,金融市场上出现了一种新型的金融衍生品,即资产证券化,由于它具有促进资金流动和分散风险的功能,所以发展较快。但是,2008年美国次贷危机爆发,不仅导致美国经济衰退,而且也将矛头指向了资产证券化。本文首先分析了美国次贷危机中资产证券化所出现的问题,然后结合我国实际情况,提出了完善我国资产证券化的几点建议,最后简要阐述了我国资产证券化未来的发展前景。
In the early 1970s, a new type of financial derivatives emerged in the financial market. Asset securitization developed rapidly due to its function of promoting capital flow and diversifying risk. However, the outbreak of the subprime mortgage crisis in the United States in 2008 not only led to the U.S. recession, but also pointed to asset securitization. This paper first analyzes the problems of asset securitization in the subprime mortgage crisis in the United States, and then puts forward some suggestions to improve China’s asset securitization based on China’s actual conditions. Finally, it briefly illustrates the future development prospects of asset securitization in China.