资产证券化是金融技术创新的产物,它源于美国的住宅抵押贷款证券,逐渐成为一种被广泛采用的金融工具而得到了迅猛的发展。我国正式的资产证券化发端于信贷资产证券化和住房抵押贷款证券化,但随着我国汽车消费的逐渐升温,汽车信贷业务的增长,汽车消费贷款证券化很有可能成为我国资产证券化的下一站。 Asset securitization is a product of financial technology innovation. It originated from the United States residential mortgage loan securities and has been rapidly developed as a widely used financial instrument. China’s formal asset securitization originated from the securitization of credit assets and mortgage-backed securities. However, with the gradual warming of automobile consumption in our country and the growth of automobile credit business, securitization of automobile consumer loans is likely to become the asset securitization of our country one stop.