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20世纪70年代以来,全球掀起一股金融创新浪潮,各种金融创新不断涌现。资产证券化既是当代金融发展的一大趋势,又是金融机构,尤其是商业银行在竞争中必须具备的技术。在利率市场化、金融脱媒、经济增速下行的大环境下,商业银行风险频发、资产流动性不足、不良率持续增长。资产证券化能够解决信贷资产流动性不足的问题,对提高资本充足率、化解不良贷款、增加盈利渠道具有重要意义。
Since the 1970s, a wave of financial innovation has been set off in the world, and various financial innovations are constantly emerging. Asset securitization is not only a trend of contemporary financial development, but also a technology that financial institutions, especially commercial banks, must have in the competition. Under the circumstances of interest rate liberalization, financial disintermediation, and economic slowdown, commercial banks are under frequent risk, asset liquidity is insufficient, and non-performing loans continue to grow. Asset securitization can solve the problem of insufficient liquidity of credit assets, which is of great significance to raising capital adequacy ratio, dissolving non-performing loans and increasing profit channels.