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2007年次贷危机后,欧美国家在资产证券化改革中的重要举措之一是设立风险自留制度,我国也在新一轮的资产证券化改革中设立了风险自留制度。文章认为,根据我国市场情况,现行有关风险自留制度的规定尚存在不足,宜扩大风险自留适用范围、增强自留比例灵活性、设置责任机制及豁免机制,为资产证券化的发展提供良好的制度环境。
After the subprime mortgage crisis in 2007, one of the important measures of the European and American countries in the reform of asset securitization is to establish a risk-retention system. China has also established a risk-retention system in the new round of asset-backed securities reform. The article holds that according to the market conditions in our country, the existing provisions on the risk retention system are still inadequate. It is necessary to expand the scope of application of risk retention, enhance the flexibility of the proportion of residency, set up the responsibility mechanism and exemption mechanism, and provide a good foundation for the development of asset securitization The institutional environment.