中小银行开展信贷资产证券化业务相关问题研究

自2014年我国政府简化信贷资产证券化流程以来，信贷资产证券化市场进入快速发展时期。本文在分析中小银行面临宽松的政策、入池基础资产合理、市场环境优越、发行主体趋于中小银行等大好形势，推行信贷资产证券化业务有助于面对利率市场化带来的挑战、提升经营管理水平、中小银行与中小企业良性互动发展，但同时存在入池基础资产筛选难度大、发行规模小、市场主体单一、配套措施不健全问题，并提出一系列针对性对策建议。

The Study on Issues Related to Develop Credit Asset-backed Securitization of Small and Medium Banks

?Since?Chinese?government?simplified?the?process?of?releasing?Credit?asset-backed?securitization?in?2014,?Credit?asset-backed?securitization?market?has?entered?into?a?rapid?development?period.?This?paper?analyzes?the?small?and?medium?banks(SMBs)?is?facing?the?excellent?situation?of?liberal?policies,?multiple?underlying?assets?into?the?pool,?excellent?market?environment?and?so?on,?the?implementation?of?Credit?asset-backed?securitization?can?help?face?the?challenges?brought?by?the?interest?rate?market,?enhance?the?management?level?and?promote?interaction?development?between?SMBs?and?SMEs,?but?SMBs?have?problems?of?dififcult?underlying?assets?into?the?pool?,?small?issuing?size,?single?market?players?and?imperfect?supporting?measures,?this?paper?put?forward?a?series?of?speciifc?suggestions.