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资产证券化是我国金融市场发展的重要方向之一,而贸易融资资产是商业银行的重要资产之一。在贸易额逐年增加的背景下,促进贸易融资资产的证券化不仅是商业银行进行风险管理的重要方式,也是推进我国资产证券化进程的有效途径。由于供应链融资思想的引入,目前的贸易融资过程与传统的贸易融资相比有了较大的变化。在我国资产证券化市场刚刚出现的背景之下,贸易融资资产的证券化需要解决原始资产的风险管理、证券化模式的选择、中介机构制度的创立、信用评级与增级和机构监管等一系列的制度问题。
Assets securitization is one of the important directions for the development of China’s financial market, and trade financing assets are one of the important assets of commercial banks. Under the background of increasing trade volume year by year, promoting the securitization of trade financing assets is not only an important way for commercial banks to carry out risk management, but also an effective way to promote the process of asset securitization in our country. Due to the introduction of supply chain financing ideas, the current trade financing process has greatly changed from the traditional trade financing. In the context of the asset securitization market just emerging in our country, the securitization of trade financing assets needs to address the risk management of the original assets, the selection of the securitization model, the establishment of an intermediary institution, credit rating and promotion, and institutional regulation System problem.