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我国信贷资产证券化业务自2013年扩大试点以来,市场扩容迅速。同时,商业银行不良信贷资产大幅增加,这为不良信贷资产证券化业务的重启提供了契机,但目前我国重启不良信贷资产证券化业务面临缺乏专门的法律法规、定价难度较高、流动性不足及资本占用高影响发行等困难。由此,本文提出要制订专门的法律法规,合理估值和定价,联动一二级市场实现良性发展等对策。
Since the expansion of pilot credit asset securitization business in 2013, the market has expanded rapidly. At the same time, the bad credit assets of commercial banks increased sharply, which provided an opportunity for restarting the bad credit assets securitization business. However, at present, China lacks specialized laws and regulations to restart the bad credit assets securitization business. It is more difficult to price and illiquid High capital occupation issues such as distribution difficulties. As a result, this article proposes to formulate specific laws and regulations, reasonable valuation and pricing, linkage of primary and secondary markets to achieve healthy development and other countermeasures.