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资产证券化作为世界金融领域的重大创新之一,正在改变着全球的金融结构和信用配置的格局。随着我国融资体制改革与企业股份制改革工作的不断推进,资产证券化在我国将进入一个相对快速发展的时期。通过资产证券化发行的证券,虽然具有相对较高的安全性,违约率较低,但其作为一种金融创新工具,不可避免地存在一定的风险。因此,在资产证券化的发展历程中,合理、恰当、到位的监管至关重要。
As one of the major innovations in the field of world finance, asset securitization is changing the pattern of global financial structure and credit allocation. With China’s reform of the financing system and joint-stock reform, the securitization of assets will enter a relatively rapid development period in our country. Although securities issued through asset securitization have relatively high security and low default rate, as a kind of financial innovation tool, there is a certain risk inevitably. Therefore, in the course of the development of asset securitization, it is of utmost importance to have a reasonable, proper and proper supervision in place.