作为一种融资工具,资产证券化起源于20世纪60年代末,当时主要用于住宅按揭,80年代在世界范围的资本市场广泛用于其他资产收益,如自来水、煤气、供热的应收款和公共交通、公路等应收款,还包括如房地产抵押贷款、汽车贷款、公用设施收入等。随着金融市场的发展,越来越多原来被认 As a financing instrument, asset securitization originated in the late 1960s when it was mainly used for residential mortgages. In the 1980s, it was widely used in other capital gains in capital markets around the world, such as tap water, gas and heating receivables And public transport, roads and other receivables, but also include such as real estate mortgage loans, auto loans, utilities income. With the development of financial markets, more and more were originally recognized