汽车贷款资产证券化是汽车贷款与资产证券化的完美结合,它的兴起对推动汽车行业和资产证券化的发展都具有重要的作用。
我国的汽车贷款资产证券化刚刚起步,还存在着法律法规不完善、信用体系不健全、资本市场不发达、风险管理方法不足以及投资者不成熟等诸多缺陷。相应地完善相关法律环境、建立健全信用体系、发展资本市场、增加风险管理方法、培养成熟投资者就成为了解决这些问题的重要措施。
关键词:汽车贷款;资产证券化;早偿风险
Abstract
Auto loan securitization,the perfect combination of the automobile loans and asset securitization, is playing an important role in promoting the development of the automobile industry and the asset securitization. China's auto loan securitization has just started, so there are still many defects such as law unregulation, unsound credit system, underdeveloped capital markets and unsufficient risk management tools, etc. Accordingly, improve the relevant legal environment, establish a sound credit system, development of capital markets, enrich measures of risk management, foster mature investors will be solutions to these problems .
Keywords: auto loans; asset securitization; prepayment risk