浅谈资产证券化中的信用增级

• 作 者: 朱音捷
• 机 构: 苏州大学,
• 出 处: 经济视角(中旬)
• 发表日期: 2011年09期
• 关键词: 信用增级 方法 创新

近30年来,根据国外的经验,在对不良资产进行处理过程中资产证券化是一种很好的金融工具。因此能否运用、如何运用资产证券化手段来化解我国银行以及企业的不良资产,也就成为了当前我国金融界研究的主要问题之一。而信用增级在资产证券化过程中起到了相当关键的作用,本文将就信用增级的常见方法及一些国外在这方面的创新进行探讨。

In the past 30 years, based on foreign experience, asset securitization is a good financial instrument in the process of dealing with non-performing assets. Therefore, whether it can be used or not, how to use asset securitization to resolve the non-performing assets of China’s banks and enterprises has also become one of the major problems in the study of China’s financial sector. The credit enhancement plays a very crucial role in asset securitization. This article will discuss some common methods of credit enhancement and some foreign innovations in this field.