资产证券化是金融工程中的一项重要内容 ,它有利于银行更好地发挥资源配置作用。本文分析了解决我国商业银行“惜贷”问题的必要性 ;利用证券化技术解决“惜贷”问题的可行性以及证券化解决银行“惜贷”问题的现实意义 ,并对证券化的实施提出了几点建议 :(1)培育贷款证券化市场的主要投资者 ;(2 )贷款证券化应根据不同投资者进行多品种设计 ;(3)在贷款、证券化实施过程中采用信用升级并以购买贷款保险为最佳方式 ;(4 )对贷款证券化过程进行创新 ,即先发行证券 ,再发放贷款 ;(5 )为保证投资者利益 ,对银行贷款证券化进行相关的规范与约束 Asset securitization is an important part of financial engineering, which helps banks play a better role in resource allocation. This paper analyzes the necessity of resolving the problem of “cherishing loans” in China’s commercial banks. The feasibility of using securitization technology to solve the problem of “looting loans” and the practical significance of securitization to solve the problem of “loaning loans” are put forward (2) Loan securitization should be designed according to different investors for multiple designs; (3) In the process of loan and securitization, credit upgrades shall be adopted and (4) Innovate the process of loan securitization, that is, issue securities first and then issue loans; (5) In order to ensure the interests of investors, we must make the relevant norms and restrictions on the securitization of bank loans