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笔者简述了我国银行资产证券化存在的问题,主要包括:证券化产品有效需求不足,产品流动性较差;基础资产种类较少;国有大型银行和中小银行积极性相差较大等。针对这些问题,笔者提出相应建议,包括扩大基础资产种类,提倡创新;扩大投资者范围,加强产品流通市场的建设;建立健全相关法律法规体系。
The author briefly describes the problems of bank assets securitization in our country, including the following problems: the effective demand of securitized products is low; the liquidity of products is poor; the types of basic assets are few; the difference between the enthusiasm of large state-owned banks and small and medium banks is large. In response to these issues, the author put forward some suggestions, including expanding the types of basic assets, promoting innovation; expanding the scope of investors, to strengthen the product distribution market; establish and improve the relevant laws and regulations system.