审批权限下放省级监管部门后,农村金融机构申报信贷资产证券化的意愿提高。但研究发现,农村金融机构受信用评级低、优质基础资产少等因素制约,在开展信贷资产证券化中还存在不少难点。针对现存的法律体系仍不完善、有效信贷需求不足、投资主体较为有限、发行成本相对较高等问题,本文进一步提出相关对策建议。 After the examination and approval authorities were delegated to the provincial regulatory authorities, the willingness of rural financial institutions to declare the securitization of credit assets increased. However, the study found that rural financial institutions are constrained by factors such as low credit rating and low-quality basic assets. There are still many difficulties in carrying out credit asset securitization. In view of the existing legal system is still not perfect, the effective credit demand is insufficient, the investment subject is more limited, the issue cost is relatively high and so on, this article further proposes relevant countermeasures.