信贷资产证券化:法律障碍与解决对策

随着期限较长的贷款在我国银行贷款业务中所占比重的不断加大，“短存长贷”的矛盾和资金短缺问题日益凸显。信贷资产证券化作为一种新型的金融工具，其独特的运作机制，有利于提高银行的资本充足率，改善其经营现状。但是作为一种“舶来品”，信贷资产证券化作用的有效发挥，离不开独特的市场环境和健全的法律制度的支撑，在中国目前的国情下，由于存在着诸多的法律障碍，信贷资产证券化的推行必将是一个长期、渐进的过程。

Credit Assets Backed Securitization: Legal Barriers and Countermeasures

With a rise of long-term loans in the loan structure of banks, the contradiction between short-term deposit and long-term loan and lack of funds quickly appear in China. It will increase the management risks of banks and will probably endanger the whole financial system. The unique operation of credit assets backed securitization as a new financial instrument will increase the capital adequacy ratio and improve management status. But as an exotic, credit assets backed securitization can't deviate from the particular market environment and the appropriate legal system. The implement of credit assets backed securitization will be a long-term and gradual process, owing to a good many legal obstacles in the current situation.