| 信贷资产证券化的市场发展问题探讨 |
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| 引用本文： | 明洪盛.信贷资产证券化的市场发展问题探讨[J].培训与研究,2006,23(4):60-61,65. |
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| 作者姓名： | 明洪盛 |
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| 作者单位： | 湖北教育学院经济管理系 武汉430205 |
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| 摘 要： | 信贷资产证券化是一种全新的金融创新产品,是我国市场经济发展的必然选择。文章研究了信贷资产证券化的发展历程,指出信贷资产证券化能够丰富资本市场产品,扩大资本市场规模,有利于增强资本流动性,提高整个经济体系的运行效率的特点,解决商业银行与资本市场的功能错位问题,分散、转移和对冲银行过度集中的风险,缓解、防范和化解银行可能面临的流动性压力的优点。
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| 关 键 词： | 信贷资产 证券化 市场发展问题 |
| 文章编号： | 1007-1687（2006）04-0060-02 |
| 收稿时间： | 01 10 2006 12:00AM |
| 修稿时间： | 2006-01-10 |
On the Market Development of Credit Asset Securitization |
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| MING Hong-sheng.On the Market Development of Credit Asset Securitization[J].Training and Research-Journal of Hubei College of Education,2006,23(4):60-61,65. |
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| Authors: | MING Hong-sheng |
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| Institution: | Department of Economics, Hubei Institute of Education, Wuhan 430205, China |
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| Abstract: | Inevitably chosen by the development of market economy, Credit Asset Securitization is a brand new product in China. By researching the process of Credit Asset Securitization and its categories, this article argues that Credit Asset Securitization has two main functions. One is to enforce the capital fluidity and improve the operating efficiency of the whole economic system by enriching products and enlarging the scale of the Capital Market. The other is to solve the functional misplacement between the Business Bank and the Capital Market, a help to decentralize, divert and hedge the risks brought by excessive centralization of banks and to prevent, mitigate and settle the potential pressure of great fluidity for banks. |
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| Keywords: | credit asset securitization the problem of market development |
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