中国资产证券化产品信用评级尚处于初始阶段,评级体系不够完善,评级方法还有待改进。本文通过对国外评级方法的介绍,综合国内信用评级流程和评级方法,分析我国资产证券化产品信用评级过程中存在的问题,进而提出对策建议。资产支持证券化是一种结构化金融,是未来现金流与当前现金流的置换。中国资产证券化品种主要以信贷资产证券化品种、企业资产证券化品种和资产支持票据为主。信贷资产证券化以信贷资产为基础资产,企业 China’s asset securitization product credit rating is still in its infancy, the rating system is not perfect, the rating method needs to be improved. Based on the introduction of foreign rating methods and the domestic credit rating process and rating method, this paper analyzes the existing problems in the credit rating of asset-backed securities in China, and then puts forward countermeasures and suggestions. Asset-backed securitization is a structured finance that is a replacement for future cash flows and current cash flows. China’s asset securitization varieties are mainly credit asset securitization products, enterprise asset securitization products and asset-backed bills. Credit asset securitization is based on credit assets and assets