本文選題：資產(chǎn)證券化　切入點(diǎn)：基礎(chǔ)資產(chǎn)　出處：《天津師范大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：當(dāng)前我國(guó)處在經(jīng)濟(jì)發(fā)展的新常態(tài),資產(chǎn)證券化這種融資方式以其融資優(yōu)勢(shì)將對(duì)國(guó)內(nèi)經(jīng)濟(jì)的發(fā)展起到很大的作用。作為一種結(jié)構(gòu)性融資,資產(chǎn)證券化的結(jié)構(gòu)設(shè)計(jì)比較復(fù)雜,信用增級(jí)作為資產(chǎn)證券化中的重要一環(huán),起到了對(duì)一個(gè)產(chǎn)品進(jìn)行"包裝" "美化"升級(jí)的作用,直接影響到資產(chǎn)證券化產(chǎn)品最終的成敗與否。目前我國(guó)的信用增級(jí)制度雖然已越發(fā)成熟,增級(jí)措施也愈加豐富,但依舊存在一些法律上的障礙與自身的不足。因此,本文將重點(diǎn)對(duì)資產(chǎn)證券化中的信用增級(jí)這一環(huán)節(jié)進(jìn)行研究,歸納信用增級(jí)的方式,分析并找出當(dāng)前法律環(huán)境中阻礙其發(fā)展的障礙,最后提出相應(yīng)的解決對(duì)策,希望能對(duì)我國(guó)資產(chǎn)證券化信用增級(jí)制度的完善有所幫助。論文共分為四個(gè)部分。第一部分,主要分析了資產(chǎn)證券化信用增級(jí)的法律依據(jù)及其主要的增級(jí)模式,本人分別就各種模式的優(yōu)缺點(diǎn)進(jìn)行了概括,以增加對(duì)信用增級(jí)的把握。第二部分,以案例和表格的形式歸納了實(shí)踐中信用增級(jí)的主要方式,并重點(diǎn)分析了目前法律環(huán)境中信用增級(jí)面臨的主要問(wèn)題,包括法律上的障礙、信用增級(jí)制度本身的不足等。第三部分,我主要針對(duì)前述信用增級(jí)存在的法律障礙提出了法律上的破解對(duì)策,包括政府擔(dān)保信用增級(jí)措施的準(zhǔn)許、消除企業(yè)破產(chǎn)法上的障礙等。第四部分,針對(duì)前述信用增級(jí)制度和評(píng)級(jí)制度的不足分別提出了完善的對(duì)策,包括豐富增級(jí)形式、規(guī)范評(píng)級(jí)制度等。
[Abstract]:At present, our country is in the new normal of economic development, asset securitization, with its financing advantages, will play a great role in the development of domestic economy. As a kind of structural financing, the structure design of asset securitization is quite complex. As an important part of asset securitization, credit enhancement plays the role of "packaging" and "beautifying" a product. The credit enhancement system of our country has become more mature and more abundant, but there are still some legal obstacles and their own shortcomings. This paper will focus on the study of credit enhancement in asset securitization, sum up the ways of credit enhancement, analyze and find out the obstacles to its development in the current legal environment, and finally put forward the corresponding countermeasures. The paper is divided into four parts. The first part mainly analyzes the legal basis and the main upgrade mode of the credit enhancement of asset securitization. I have summarized the advantages and disadvantages of various models in order to increase the grasp of credit upgrading. The second part summarizes the main ways of credit enhancement in practice in the form of cases and tables. The main problems faced by credit enhancement in the current legal environment are analyzed, including the legal obstacles, the shortcomings of the credit enhancement system itself and so on. I mainly put forward legal countermeasures against the legal obstacles to credit enhancement mentioned above, including the approval of government guarantee credit upgrading measures, the elimination of obstacles in enterprise bankruptcy law, and so on. Part 4th, In view of the shortcomings of the credit enhancement system and the rating system mentioned above, the author puts forward some perfect countermeasures, including enriching the increasing form, standardizing the rating system, and so on.
【學(xué)位授予單位】：天津師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.287

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