我国信贷资产证券化风险的防范

摘    要
资产证券化作为一种结构融资方式，是二十世纪国际金融领域中最重要的一项金融创新，自80年代中期在美国兴起以来，迅速向全球扩展，至今已成为全球资本市场上与债权融资、股权融资并列的第三种主流融资工具，但安然事件和“次债危机”表明资产证券化潜在的风险是巨大的。
为了尽可能的避免这种风险的出现，在以资产证券化风险为分析对象的基础上，从美国发生次贷债机的成因出发，分析了各种风险的成因，并最终形成了对我国资产证券化的风险防范机制的启示。

关键词： 资产证券化；风险；防范；次债危机

 
Abstract
As a construction financing method, assets securitization is one of the most important finance innovation in international finance field in the twentieth century, which has become the one of the three mainstream financing facility with creditor’s right financing and stock rights, since it rose from America in 1980s and extended around the world. However, the incident of Enron and sub-debt crisis shows that assets securitization has a great risk.
In order to avoid this risk as much as possible the emergence of asset securitization in the risk analysis of the object on the basis of the loan from the United States took place at the causes of the debt machine, the analysis of the causes of various risks, and ultimately the formation of China's assets securitization of risk prevention mechanism of the Enlightenment.
Keywords：Asset securitization; risks; keep away; sub-debt crisis

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