| 信贷资产证券化理论及中国的实践 |
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| 引用本文： | 祁小伟,宋群超.信贷资产证券化理论及中国的实践[J].科学与管理,2009,29(3). |
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| 作者姓名： | 祁小伟 宋群超 |
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| 作者单位： | 1. 中央财经大学,金融学院,北京,100081
2. 中央财经大学,保险学院,北京,100081 |
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| 基金项目： | 国家自然科学基金课题"中小企业信用风险识别与度量研究" |
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| 摘 要： | 2008年波及全球的金融危机的导火索是美国的次贷危机。虽然中国金融市场受此次金融危机的冲击较小,但这件事确为中国的资产证券化实践敲响了警钟。自从2005年启动试点以来,资产证券化发展缓慢,这既与现行的投融资体制有关,更与证券化参与主体之间为各自的利益而不能各司其职有关。为此,我们先梳理一下信贷资产证券化理论,再结合中国的实践,分析信贷资产证券化的风险及防范,从而推进资产证券化发展进程,以完善我国多层次资本市场。
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| 关 键 词： | 信贷资产证券化 SPV 信息披露 |
Theory of Credit Asset Securitization and Its Practice in China |
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| Authors: | QI Xiao-wei SONG Qun-chao |
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| Abstract: | The cause of global financial crisis in 2008 was the sub-loan crisis in the United States. Although China's financial market has been hardly affected by the financial crisis, it sounded the alarm for the practice of asset securitization in China. The development of asset securitization has been slow since the pilot started in 2005. It is not only the result of the current investment and financing system, but also because various subjects in securitization neglect their own duties. To this end, we firstly demonstrated the theory of credit asset securitization, and then we analyze its risk prevention combined with practice in China. Finally the process of asset securitization can be promoted, and multi-level capital market in China can be improved. |
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| Keywords: | SPV |
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