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次贷危机发生后,有观点认为资产证券化很危险,并认为中国的银行业管理水平还不行,没有能力做好资产证券化。事实上,次贷危机的根源并非资产证券化本身出了问题。资产证券化是银行业应对资产迅速增长,保证资本充足、分散风险的一个良好途径。自2007年以来,人民银行和银监会加大
After the subprime mortgage crisis, some people think that securitization of assets is very dangerous. They think that the level of banking management in China is still not enough and can not do asset securitization. In fact, the root cause of the subprime mortgage crisis is not the issue of asset securitization itself. Securitization of assets is a good way for banks to deal with the rapid growth of assets and ensure adequate capital and diversification risks. Since 2007, PBC and CBRC have stepped up