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信贷资产证券化的核心作用是提高整个金融系统的融资效率,客观上能扩大银行的信贷资金,进一步分散银行风险,以更好地支持实体经济。相比上一轮试点,此次信贷资产证券化试点出现了一些新变化、新特征,如“扩大基础资产池种类”“、扩大参与试点银行业金融机构数量和种类”、“要求购买不低于5%的份额”、“双评级”等等,放出“积极试点”信号的同时也反映了监管部门审慎的原则。
The core role of credit asset securitization is to improve the financing efficiency of the entire financial system. Objectively, it can expand the bank’s credit funds and further diversify the banking risks so as to better support the real economy. Compared with the previous round of pilot projects, some new changes have taken place in the Pilot Securitization of Credit Assets. New features such as expanding the types of base asset pools and expanding the number and types of participating financial institutions in pilot banks, “The requirement to buy a share of not less than 5% ”, “double rating ” and so on, release “positive pilot ” signal also reflects the regulatory prudential principles.