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信贷资产转让是指银行与其他金融机构(如银行、信托投资公司、资产管理公司、财务公司等)之间,根据协议约定转让在其经营范围内的,自主、合规发放尚未到期信贷资产业务。该业务最早产生于20世纪70年代末期欧美,80年代到90年代在全球得到了迅速发展,现在这项业务已经成熟发展为信贷资产证券化市场,而在我国这项业务是在2001年才开始被逐渐认识和接受的金融创新业务。2008年美国的次债危机引发了全球金融危机,为应对金融危机对中国经济的影响,2009年中国政府实行积极的财政政策和适度宽松的货币政策,在国家4万亿元投资计划的刺激之下,银行信贷量剧增,尤其金融机构之间信贷类资产转让业务成为2009年乃至今后中国金融业的一个亮点。
The transfer of credit assets refers to the credit card issued by banks and other financial institutions (such as banks, trust and investment companies, asset management companies, financial companies, etc.), according to the agreement agreed to transfer within its scope of business, autonomous and compliance issuance of outstanding credit assets business. The business was originally produced in Europe and the United States in the late 1970s and rapidly developed in the world from the 1980s to the 1990s. Now the business has matured into a credit asset securitization market, which started in 2001 in our country Be recognized and accepted by the financial innovation business. In 2008, the subprime crisis in the United States triggered the global financial crisis. In response to the impact of the financial crisis on China’s economy, in 2009, the Chinese government implemented a proactive fiscal policy and a moderately easy monetary policy. In stimulating the state’s 4 trillion yuan investment plan, The bank credit volume soared. In particular, the credit asset transfer business between financial institutions became a highlight of China’s financial industry in 2009 and beyond.