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在金融自由化、全球一体化,以及证券化等三大国际金融发展的新趋势中,金融资产证券化的发展尽管只是刚刚揭开了序幕,然而它被普遍认为是近20年来最重大的金融革新之一,同类一揽子贷款证券化的技术几乎可以囊括这场国际金融革新的所有特点。本文将就贷款证券化的发展及对我国的启示谈谈自己的看法。 一、贷款证券化的发展 所谓贷款证券化是指金融机构将传统的贷款资产按种类、形式和期限的不同汇集成组转化为可转让的
In the new trend of financial development, financial globalization, securitization and other three major international financial developments, the development of securitization of financial assets has just opened its doors. However, it is generally considered as the most important financial institution in the past 20 years One of the innovations, the same kind of technology for loan securitization can cover almost all the features of this international financial reform. This article will talk about your own views on the development of loan securitization and its implications for our country. First, the development of loan securitization The so-called loan securitization refers to the financial institutions will be the traditional loan assets according to the type, form and duration of the collection into a group into a transferable