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作为我国最早参与资产证券化业务试点的银行,国家开发银行在信贷资产证券化理论研究、产品设计、制度建设、发行实践等方面进行了积极探索资产证券化自20世纪70年代产生以来,是世界金融领域发展最快和最具活力的金融工具之一,在美国、欧洲、亚洲等地快速发展。纵观资产证券化产品的发展历程可以发现,资产证券化有效缓解了银行的流动性风险,并成为银行等金融机构的重要融资渠道。对于国内银行而言,信贷资产证券化可以盘活存量、优化资产结构,提升资本
As the earliest bank in China to participate in pilot asset securitization business, China Development Bank has actively explored credit securitization theory research, product design, system construction and issuance practices, etc. Asset securitization has been the world since the seventies of the 20th century One of the fastest growing and most dynamic financial instruments in the financial sector is rapidly expanding in the United States, Europe and Asia. Throughout the course of the development of asset securitization products, asset securitization can effectively alleviate the liquidity risk of banks and become an important financing channel for financial institutions such as banks. For domestic banks, credit asset securitization can revitalize the stock, optimize the asset structure and enhance capital