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资产证券化作为一种市场化的融资工具,不仅能够处置一些不良的资产,降低资产处置过程中的成本,加强资产的回收效率,还能有效防范金融风险,增强化解金融风险的能力。资产证券化在发达国家已经有成功运行的经验,但是在我国发展过程中还存在一些障碍。文章认为,随着资产证券化国际形势的推进,需要深入分析资产证券化在中国实施的现状以及遇到的障碍,采取相应的改善策略,把握发展的机遇。
Securitization as a market-oriented financing tool can not only dispose of some bad assets, reduce the cost of asset disposal process, enhance the efficiency of asset recovery, but also effectively prevent financial risks and enhance the ability to resolve financial risks. Asset-backed securities have had successful experiences in developed countries, but there are still some obstacles in the development of our country. The article believes that with the international situation of asset securitization, the status quo and obstacles encountered in the implementation of asset securitization need to be analyzed in depth, and corresponding improvement strategies should be adopted to seize the opportunities for development.