摘要
自20世纪70年代以来,商业银行相应的金融功能需求是资产证券化创新的主要背景,并且资产证券化提供的创新流程也使商业银行的运行机制产生变革,并使商业银行与金融市场的联系更加紧密,这虽然提高了金融资源配置效率,但也导致金融不稳定,因此宏观审慎监管将成为未来监管变革的重要取向。对我国而言,应以"包容性"的态度鼓励商业银行参与资产证券化创新,并对商业银行的相关行为进行约束,同时逐渐完善资产证券化的法律制度建设,以理性推动商业银行变革或转型。
Since the 1970s, the increasing financial function demand of Commercial banks, is the background of innovation on Asset Securitization. Meanwhile, Asset Securitization provides the financial innovation process, to create the changing of operating mechanism on commercial bank, and the commercial banks and financial markets closer together. This development trend while improving the ettlcieney of financial resource allocation, but also cause financial instability, therefore, Macro- Prudential regulation .will be the future orientation of supervision reform. As for our country, the commercial banks should be ＂inclusive＂ attitude to participate in the innovation on Asset Securitization, and constrain the behavior of commercial bank. gradually improve the legal system construction of Asset Securitization, to promote the reform of commercial bank in a rational attitude.
出处
《财经科学》
CSSCI
北大核心
2015年第2期13-22,共10页
Finance & Economics
基金
国家社科基金项目"我国居民代际收入流动问题研究"(项目编号:13BJL034)
山东师范大学青年教师科研项目(人文社会科学类)"资产证券化与系统性风险:形成
传导与监管"(项目编号:14SQR010)资助
关键词
金融创新
商业银行
资产证券化
Financial Innovation
Commercial Bank
Asset Securitization
