资产证券化的引进及证券化历经20多年演变,毫无疑问,作为一个创新性的产品,它对消费者和金融机构产生了深远的影响,而且它将继续存在下去。但是,我们必须建立更多和更好的监管方法,以确保其初创的模型和部分创新产品恢复到它本应提供的能量和价值。市场将重新定位,消费者将受益,而资产证券化也能成为在银行历史上最有价值的产品和金融工具而重新获得它合法的地位 The introduction and securitization of asset securitization has evolved over two decades and there is no doubt that it has had a profound impact on consumers and financial institutions as an innovative product and that it will continue to exist. However, we must establish more and better regulatory approaches to ensure that our nascent models and some of our innovative products are restored to the energy and value they should have provided. The market will be repositioned and consumers will benefit, and asset securitization will regain its legitimacy as the most valuable product and financial instrument in the bank’s history