Study Of Asset Securitization Issues

Asset securitization refers to the relatively low liquidity and stable cash flow but the assets of a certain structure designed to separate, and its credit to support the process of issuance of securities. It as a financial innovation, the origin of the 20th century the United States 70 years since then on a global scale has been widely and rapid development, has now become an important means of financing. But in China, asset securitization is still in its infancy, in practice the process still faces many problems, such as the law is imperfect, financial markets are not mature enough and so on. In the United States subprime mortgage crisis, we should seriously consider, to explore a suitable Asset Securitization in China's development.This paper briefly introduces the definition of asset securitization, the main operation and the general process, followed by the associated gain and risk analysis. Then focus on the analysis of the U. S. subprime mortgage crisis in this, from the outbreak of the crisis to its evolution, summarized the reasons for the crisis, and the credit crisis from screenings of asset securitization in China. Then it introduced the development of asset securitization, analyzing the business and banking asset securitization. Finally, for the situation of our country, pointed out that the development of asset securitization in some of the barriers and I offer some suggestions, such as formulate and improve relevant laws, establish a sound credit rating system, strengthening the information disclosure of asset securitization and regulatory. In this article, I hope I can on the development of asset securitization some effect.