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随着我国资产证券化重新启动,市场上资产证券化的产品日趋增多,规模持续增长,市场参与者类型更加多样,产品结构更加丰富。集团财务公司致力于成员单位的资金集中,提高集团资金的利用率,降低财务费用。为了优化金融资源配置,盘活存量,用好增量,达到为集团创造更大效益的目的,财务公司进行信贷资产证券化,不仅可以降低杠杆,盘活资产,缓解资本补充压力,还在很大程度上增强企业信用度,为企业集团提供低成本融资的渠道。本文首先分析财务公司信贷资产证券化的内涵及发展现状,其次阐述了财务公司资产证券化的模式,最后对资产证券化过程中存在的问题及应对措施加以分析和探讨。
With the restart of asset securitization in our country, the product of securitization on the market is increasing day by day. The scale of the securitization continues to grow. The types of market participants are more diversified and the product structure is richer. Group Finance Company is committed to the member units of the capital concentration, improve the utilization of the Group’s funds, reduce financial costs. In order to optimize the allocation of financial resources, revitalize the stock and make incremental use to achieve greater profit for the Group, the financial company securitization of credit assets can not only reduce leverage, activate assets, ease the pressure of capital replenishment, and to a large extent On the enhancement of corporate credit, enterprise groups to provide low-cost financing channels. This paper first analyzes the connotation and development status of the financial company’s credit asset securitization, and then expounds the pattern of the asset securitization of the financial company. Finally, it analyzes and discusses the problems and countermeasures in the process of asset securitization.