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针对信贷资产证券化产品结构复杂、投资者难以获得全面真实信息的情况,应健全信息披露规范体系。要进一步明确受托机构信息披露责任和要求,加强基础资产和存续期内的信息披露,确保投资者准确获取信息,避免信息不对称问题。信贷资产证券化不仅可以提高金融机构的资金周转效率,还能够提高信贷资产的可交易性以及贷款合理定价的市场化程度。因此,对我国信贷资产证券化开展深入研究,具有重要的现实意义。
In view of the complex structure of credit asset securitization products and investors’ difficulty obtaining comprehensive and real information, the system of information disclosure standards should be perfected. It is necessary to further clarify the responsibilities and requirements of the trustee for information disclosure, strengthen the disclosure of information on the underlying assets and the existence period, and ensure that investors can accurately obtain the information and avoid the information asymmetry. Securitization of credit assets can not only improve the capital turnover efficiency of financial institutions, but also improve the tradability of credit assets and the marketability of loan pricing. Therefore, it is of great practical significance to conduct an in-depth study of China’s credit asset securitization.