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资产证券化作为一种新型的资产处理方式和融资工具,在我国正处于探索和起步阶段。对于正逐步融入全球一体化经济的中国来说,资产证券化有利于推进资本市场的发展、盘活银行不良资产和增强银行资产的流动性、推进住房按揭市场的发展、优化国有企业的资本结构。为此,应建立政府主导型的资产证券化市场、发展一级市场、放松机构投资者的准入条件
Asset-backed securitization, as a new type of asset management and financing tool, is in the process of exploration and initial stage in our country. For China, which is gradually integrating into a global economy, asset securitization is conducive to advancing the capital market, activating the non-performing assets of banks and enhancing the liquidity of bank assets, promoting the development of housing mortgage market and optimizing the capital structure of state-owned enterprises. To this end, we should establish a government-led market for asset securitization, develop the primary market and relax institutional investors’ access conditions