信贷资产证券化是我国商业银行资产证券化的主要模式。本文首先分析了我国信贷资产证券化的交易基础资产、结构的特点和信用增级的主要方法，之后回顾了2019年我国资产证券化的发展情况，最后展望未来信贷资产证券化的发展前景。

关键词：信贷资产证券化、信用增级、交易结构

Credit asset-backed securitization is the main mode of asset securitization of commercial banks in China. This paper first analyzes the basic assets, structure characteristics and main methods of credit enhancement of credit asset securitization in China, then reviews the development of asset securitization in China in 2019, and finally looks forward to the future development of credit asset securitization.

Keywords: Credit Asset-backed Securitization, Credit Enhancement, Transaction Structure