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2015年,我国资产证券化市场在经历长达6年的蛰伏期后呈现爆发式增长,同时“互联网+”的概念被提出,随之以普惠金融为特质的互联网金融显示出强大生命力,并迅速通过“京东白条应收账款”债权与资产证券化联姻,整个资本市场上第一个基于互联网消费金融资产的资产证券化项目落地。商业银行作为资产证券化的主要试点机构,在该业务的发展中仍面临一些障碍和挑战。本文基于“互联网+”大时代背景,以农业银行2015年资产证券化案例为切入点,对我国商业银行如何推进资产证券化业务以确保银行业健康持续发展进行了思考。
In 2015, China’s asset securitization market showed explosive growth after its dormant period of up to 6 years. At the same time, the concept of “Internet + ” was proposed, and the internet finance with the feature of inclusive finance showed great vitality , And quickly passed the “Jingdong White Strike Accounts Receivable” creditor’s rights and assets securitization marriage, the first in the capital market based on Internet consumer financial assets securitization project. As the main pilot institution for asset securitization, commercial banks still face some obstacles and challenges in the development of this business. This article is based on the “Internet + ” era background, taking the Agricultural Bank of China in 2015 as an example of asset securitization, how to promote the asset securitization business in China’s commercial banks to ensure the healthy and sustainable development of the banking industry.