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债券投资者权益保护教育专项活动材料之投资知识

  发表时间:2017年12月08日  点击数:6758 次

  资产证券化业务知识问答

  1、问:什么是资产证券化?

企鹅电竞   DA:ZICHANZHENGQUANHUASHIZHIYIJICHUZICHANSUOCHANSHENGDEXIANJINLIUWEICHANGFUZHICHI,TONGGUOJIEGOUHUADENGFANGSHIJINXINGXINYONGZENGJI,ZAICIJICHUSHANGFAXINGZICHANZHICHIZHENGQUANDEYEWUHUODONG。

  2、问:国内资产证券化业务发展至今可以分为哪些阶段?

  DA:GUONEIZICHANZHENGQUANHUAYEWUFAZHANZHIJINKEYIFENWEISHIDIANJIEDUAN、CHANGTAIHUAFAZHANJIEDUAN、BEIANZHIHOUKUAISUFAZHANJIEDUAN。

企鹅电竞   2005-2008NIAN,SHIZICHANZHENGQUANHUAYEWUSHIDIANJIEDUAN。ZHEIGEJIEDUANWEIRAOYEWUSHICAOZHONGYUDAODEGEZHONGWENTI,ZHENGCEZAIBUDUANJINXINGFENGFUWANSHAN,SHICHANGCHUYUPEIYUQI。2005NIAN,WOGUOKAISHICHUXIANZAIZHENGQUANJIAOYISUOSHICHANGHEYINXINGJIANSHICHANGGUAPAIDEZICHANZHENGQUANHUACHANPIN。

  2011-2014NIAN,SHIZICHANZHENGQUANHUAYEWUCHANGTAIHUAFAZHANJIEDUAN。ZAICIJIEDUAN,KUODALEKAIZHANZICHANZHENGQUANHUAYEWUDEYEWUZHUTIYIJIJICHUZICHANFANWEI,MINGQUELESPVDULIYUYUANSHIQUANYIREN、GUANLIRENHETOUZIRENDEFALVDIWEI,WEIZICHANZHENGQUANHUADEKUAISUFAZHANDIANDINGLEJICHU。

  2014NIANDIZHIJIN,ZICHANZHENGQUANHUAYEWUSHISHIBEIANZHI,JINRUKUAISUFAZHANJIEDUAN。2014 NIANDI,WOGUOZICHANZHENGQUANHUAYEWUJIANGUANWANCHENGLECONGGUOQUDEZHUBISHENPIZHIXIANGBEIANZHIDEZHUANBIAN,TONGGUOWANSHANZHIDU、JIANHUACHENGXU、JIAQIANGXINXIPILUHEFENGXIANGUANLI,CUJINSHICHANGLIANGXINGKUAISUFAZHAN。

  3、问:资产支持专项计划涉及的主要法规及指引有哪些?

  DA:ZICHANZHICHIZHUANXIANGJIHUA(SUCHENG“QIYEZICHANZHENGQUANHUA”)SHEJIDEFAGUIJIZHIYINMUQIANZHUYAOBAOKUO:

  (1)《GONGSIFA》《ZHENGQUANFA》《ZHENGQUANTOUZIJIJINFA》DENG。

企鹅电竞   (2)ZHENGJIANHUIFABUDE《SIMUTOUZIJIJINJIANDUGUANLIZANXINGBANFA》《ZHENGQUANGONGSIJIJIJINGUANLIGONGSIZIGONGSIZICHANZHENGQUANHUAYEWUGUANLIGUIDING》《ZHENGQUANGONGSIJIJIJINGUANLIGONGSIZIGONGSIZICHANZHENGQUANHUAYEWUJINZHIDIAOCHAGONGZUOZHIYIN》《ZHENGQUANGONGSIJIJIJINGUANLIGONGSIZIGONGSIZICHANZHENGQUANHUAYEWUXINXIPILUZHIYIN》DENG。

  (3)ZHONGGUOZHENGQUANTOUZIJIJINYEXIEHUIFABUDE《ZICHANZHICHIZHUANXIANGJIHUABEIANGUANLIBANFA》《ZICHANZHENGQUANHUAYEWUJICHUZICHANFUMIANQINGDANZHIYIN》《ZICHANZHENGQUANHUAYEWUFENGXIANKONGZHIZHIYIN》《ZICHANZHICHIZHUANXIANGJIHUASHUOMINGSHUNEIRONGYUGESHIZHIYIN(SHIXING)》《ZICHANZHICHIZHENGQUANRENGOUXIEYIYUFENGXIANJIESHISHU(SHIYONGGERENTOUZIZHE)》《ZICHANZHICHIZHENGQUANRENGOUXIEYIYUFENGXIANJIESHISHU(SHIYONGJIGOUTOUZIZHE)》DENG。

  (4)SHANGHAIZHENGQUANJIAOYISUOFABUDE《SHANGHAIZHENGQUANJIAOYISUOZICHANZHENGQUANHUAYEWUZHIYIN》、SHENZHENZHENGQUANJIAOYISUOFABUDE《SHENZHENZHENGQUANJIAOYISUOZICHANZHENGQUANHUAYEWUZHIYIN》、JIGOUJIANSIMUCHANPINBAOJIAYUFUWUXITONGFABUDE《JIGOUJIANSIMUCHANPINBAOJIAYUFUWUXITONGZICHANZHENGQUANHUAYEWUZHIYIN(SHIXING)》,YIJISHANGSHUZILVZUZHIBUDINGQIGENGXINDEYEWUZHINANJIXIANGGUANDALEIJICHUZICHANXINXIPILUZHINAN。

  4、问:目前企业资产证券化产品以什么为特殊目的载体?

企鹅电竞   DA:ZICHANZHICHIZHUANXIANGJIHUAHUOZHONGGUOZHENGJIANHUIRENKEDEQITATESHUMUDEZAITI。

  5、问:哪些机构可以担任资产支持专项计划的管理人?

  DA:MUQIANFUHE《ZHENGQUANGONGSIJIJIJINGUANLIGONGSIZIGONGSIZICHANZHENGQUANHUAYEWUGUANLIGUIDING》XIANGGUANYAOQIUDEZHENGQUANGONGSIHEJIJINGUANLIGONGSIZIGONGSI,KEYIDANRENZICHANZHICHIZHUANXIANGJIHUADEGUANLIREN。

  6、问:什么是资产证券化的基础资产?

  DA:JICHUZICHAN,SHIZHIFUHEFALVFAGUIGUIDING,QUANSHUMINGQUE,KEYICHANSHENGDULI、KEYUCEDEXIANJINLIUQIEKETEDINGHUADECAICHANQUANLIHUOCAICHAN。JICHUZICHANKEYISHIDANXIANGCAICHANQUANLIHUOZHECAICHAN,YEKEYISHIDUOXIANGCAICHANQUANLIHUOZHECAICHANGOUCHENGDEZICHANZUHE。

  QIZHONGCAICHANQUANLIHUOCAICHAN,QIJIAOYIJICHUYINGDANGZHENSHI,JIAOYIDUIJIAYINGDANGGONGYUN,XIANJINLIUYINGDANGCHIXU、WENDING。

企鹅电竞   JICHUZICHANKEYISHIQIYEYINGSHOUKUAN、ZULINZHAIQUAN、XINDAIZICHAN、XINTUOSHOUYIQUANDENGCAICHANQUANLI,JICHUSHESHI、SHANGYEWUYEDENGBUDONGCHANCAICHANHUOBUDONGCHANSHOUYIQUAN,YIJIZHONGGUOZHENGJIANHUIRENKEDEQITACAICHANHUOCAICHANQUANLI。

  7、问:专项计划基础资产怎么分类?

企鹅电竞   DA:YIBANERYAN,KEYIFENWEIZHAIQUANLEIXING、SHOUYIQUANLEIXINGYIJIQUANYILEIXINGDENG。(1)ZHAIQUANLEIJICHUZICHAN,RUQIYEYINGSHOUZHANGKUAN、RONGZIZULINZHAIQUAN、XIAOFEIDAIKUANDENG。(2)SHOUYIQUANLEI(QIYEJINGYINGSHOURULEI)JICHUZICHAN,RUGONGYONGSHIYESHOURU、QIYEJINGYINGSHOURUDENG。(3)QUANYILEIJICHUZICHAN,RUSHANGYEWUYE、ZULINZHUFANGDENGBUDONGCHANCAICHAN,ZHUYAOBIAOXIANWEITONGGUOCHIYOUGUQUANERJIANJIECHIYOUBUDONGCHANZICHAN,JIANGBUDONGCHANZICHANCHANSHENGDEXIANJINLIUZUOWEIZICHANZHICHIZHENGQUANFENPEIXIANJINLIULAIYUAN。

  8、问:专项计划可以在哪几个场所挂牌?

  DA:ZHUANXIANGJIHUAKEYIANZHAOGUIDINGZAIZHENGQUANJIAOYISUO、QUANGUOZHONGXIAOQIYEGUFENZHUANRANGXITONG、JIGOUJIANSIMUCHANPINBAOJIAYUFUWUXITONG、ZHENGQUANGONGSIJUTAISHICHANGYIJIZHONGGUOZHENGJIANHUIRENKEDEQITAZHENGQUANJIAOYICHANGSUOJINXINGGUAPAI、ZHUANRANG。

  9、问:什么是资产证券化的负面清单管理?

  DA:FUMIANQINGDANGUANLIZHUYAOSHIZHILIEMINGBUSHIYICAIYONGZICHANZHENGQUANHUAYEWUXINGSHI,HUOZHEBUFUHEZICHANZHENGQUANHUAYEWUJIANGUANYAOQIUDEJICHUZICHAN。JUTIKECANJIANJIJINYEXIEHUIFABUDE《ZICHANZHENGQUANHUAYEWUJICHUZICHANFUMIANQINGDANZHIYIN》。SHIXINGZICHANZHENGQUANHUADEJICHUZICHANYINGDANGFUHE《ZHENGQUANGONGSIJIJIJINGUANLIGONGSIZIGONGSIZICHANZHENGQUANHUAYEWUGUANLIGUIDING》DENGXIANGGUANFAGUIDEGUIDING,QIEBUSHUYUFUMIANQINGDANFANCHOU。

  10、问:哪家机构负责负面清单管理工作?

企鹅电竞   DA:ZHONGGUOZHENGQUANTOUZIJIJINYEXIEHUIFUZEZICHANZHENGQUANHUAYEWUJICHUZICHANFUMIANQINGDANGUANLIGONGZUO,YANJIUQUEDINGBINGZAIJIJINYEXIEHUIWANGZHANJISHIGONGKAIFABUFUMIANQINGDAN。

  11、问:专项计划资产是否属于清算资产?

企鹅电竞   DA:YUANSHIQUANYIREN、GUANLIREN、TUOGUANRENJIQITAYEWUCANYURENYINYIFAJIESAN、BEIYIFACHEXIAOHUOZHEXUANGAOPOCHANDENGYUANYINJINXINGQINGSUANDE,ZHUANXIANGJIHUAZICHANBUSHUYUQIQINGSUANCAICHAN。

  12、问:参与资产支持证券认购的合格投资者,应当符合哪些条件?

  DA:GENJU《ZHENGQUANGONGSIJIJIJINGUANLIGONGSIZIGONGSIZICHANZHENGQUANHUAYEWUGUANLIGUIDING》,ZICHANZHICHIZHENGQUANYINGDANGMIANXIANGHEGETOUZIZHEFAXING,FAXINGDUIXIANGBUDECHAOGUOERBAIREN,DANBIRENGOUBUSHAOYU100 WANYUANRENMINBIFAXINGMIANZHIHUODENGZHIFENE。HEGETOUZIZHEYINGDANGFUHE《SIMUTOUZIJIJINJIANDUGUANLIZANXINGBANFA》GUIDINGDETIAOJIAN,YIFASHELIBINGSHOUGUOWUYUANJINRONGJIANDUGUANLIJIGOUJIANGUAN,QIEYOUXIANGGUANJINRONGJIGOUSHISHIZHUDONGGUANLIDETOUZIJIHUABUZAICHUANTOUHECHAZUIZHONGTOUZIZHESHIFOUWEIHEGETOUZIZHEHEHEBINGJISUANTOUZIZHERENSHU。

  13、问:资产证券化交易结构设计中一般涉及哪些交易方,分别需要签署什么交易合同?

  DA:ZICHANZHENGQUANHUAJIAOYIZHONGZHUYAOSHEJI:YUANSHIQUANYIREN、ZICHANFUWUJIGOU(YIBANYOUYUANSHIQUANYIRENDANREN)、GUANLIREN、TOUZIREN、TUOGUANREN、JIANGUANYINXING、PINGJIJIGOU、LVSHISHIWUSUODENG,ZHUYAOSHEJIDEJIAOYIHETONGBAOKUO:(1)YUANSHIQUANYIRENYUGUANLIRENQIANSHUDE《ZICHANMAIMAIXIEYI》;(2)ZICHANFUWUJIGOUYUGUANLIRENQIANSHUDE《ZICHANFUWUXIEYI》;(3)GUANLIRENYUTOUZIRENQIANSHUDE《RENGOUXIEYIJIFENGXIANJIESHISHU》;(4)ZICHANFUWUJIGOU、JIANGUANYINXINGYUGUANLIRENQIANSHUDE《JIANGUANXIEYI》;(5)GUANLIRENYUTUOGUANRENQIANSHUDE《TUOGUANXIEYI》;(6)YUANSHIQUANYIRENQIANSHUDE《CHAEZHIFUCHENGNUOHAN》(RUYOU);(7)DANBAORENYUGUANLIREN、YUANSHIQUANYIRENQIANSHUDE《DANBAOXIEYI》(RUYOU);(8)QITAXIEYI。

  14、问:什么是资产证券化的原始权益人?

企鹅电竞   DA:YUANSHIQUANYIRENSHIZHENGQUANHUAJICHUZICHANDEYUANSHISUOYOUZHE,TONGCHANGSHIJINRONGJIGOUHUODAXINGGONGSHANGQIYE,SHIANZHAOXIANGGUANGUIDINGJIYUEDINGXIANGZICHANZHICHIZHUANXIANGJIHUAZHUANYIQIHEFAYONGYOUDEJICHUZICHANYIHUODEZIJINDEZHUTI。

  15、问:资产支持专项计划的特定原始权益人需具备哪些基本要求?

  DA:TEDINGYUANSHIQUANYIRENSHIZHIYEWUYUNYINGKENENGDUIZHUANXIANGJIHUAJIZICHANZHICHIZHENGQUANTOUZIZHEDELIYICHANSHENGZHONGDAYINGXIANGDEYUANSHIQUANYIREN,DUIYUTEDINGYUANSHIQUANYIRENDEJIBENYAOQIURUXIA:(1)SHENGCHANJINGYINGFUHEFALV、XINGZHENGFAGUI、TEDINGYUANSHIQUANYIRENGONGSIZHANGCHENGHUOZHEQIYE、SHIYEDANWEINEIBUGUIZHANGWENJIANDEGUIDING;(2)NEIBUKONGZHIZHIDUJIANQUAN;(3)ZUIJINSANNIANWEIFASHENGZHONGDAWEIYUE、XUJIAXINXIPILUHUOZHEQITAZHONGDAWEIFAWEIGUIXINGWEI;(4)FALV、XINGZHENGFAGUIHEZHONGGUOZHENGJIANHUIGUIDINGDEQITATIAOJIAN。

企鹅电竞   (GONGGAODANWEI:ZHONGGUOZHENGJIANHUITOUZIZHEBAOHUJU、ZHONGGUOZHENGJIANHUIGONGSIZHAIQUANJIANGUANBU)

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