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自资产证券化业务于2012年重启以来,个人汽车消费贷资产证券化产品发展迅速,已成为银行间ABS市场中的主流产品。本文从对汽车消费贷ABS证券在存续期内的表现情况出发,深入解析个人汽车消费贷资产证券化产品的基础资产以及交易结构等方面的特点,并针对基础资产和证券的表现情况就产品的风险要素开展研究。
Since asset-backed securitization business restarted in 2012, personal auto-loan asset securitization products have developed rapidly and have become the mainstream products in the inter-bank ABS market. Based on the performance of the auto loan ABS securities in the duration, this paper deeply analyzes the characteristics of the personal assets and the transaction structure of asset-backed securities products, and analyzes the performance of the underlying assets and securities on the performance of the products Risk factors to carry out research.