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十三五以来,金融改革日益推进,其中信贷资产证券化对发展多层次资本市场具有重要意义。且随着发行制度完善,信贷资产证券化将迎来大发展。本文首先介绍了信贷资产证券化概念及发展概况,随后对基础资产进行梳理分析,并结合违约率,指出具有小额分散特点的住房抵押贷款等基础资产较适合开展信贷资产证券化,以期给予在信贷资产证券化背景下商业银行如何进行信贷投放提供一定参考。
Since the 13th Five-Year Plan, the financial reform has been progressively promoted. The securitization of credit assets is of great significance for the development of multi-level capital markets. With the improvement of the issuance system, securitization of credit assets will usher in great development. This paper first introduces the concept and development of credit asset securitization, and then sorts and analyzes the underlying assets, combined with the default rate, points out that the basic assets such as housing mortgage loan with small amount of decentralization are more suitable for securitization of credit assets, How to Carry out Credit Loans by Commercial Banks in the Context of Credit Assets Securitization.