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第二章是《资产证券化的法律解释》的重点。该章首先研究了几种具有代表性的美国法律学者对资产证券化的法律分析，包括“炼金术”理论、信息成本减少理论、促进分工理论和破产隔离理论。通过研究、比较和分析，《资产证券化的法律解释》认为破产隔离理论对资产证券化的解释更有说服力。因此，《资产证券化的法律解释》接下来详细研究了美国破产制度对担保债权的影响，以检验该理论。 实现破产隔离的最主要手段就是风险隔离机制，而风险隔离机制主要涉及资产转移和SPV的构造两个方面。在接下来的章节中，我们分别研究了资产转移和构造SPV在美国所涉及的法律问题。 资产转移在美国主要涉及到欺诈性转移、重新定性和真实出售等问题。其中重新定性的法律在适用中存在一定的混乱（第三章）。构造一个远离破产的SPV对于资产证券化的成功至关重要，主要存在的问题是美国《破产法》中所涉及的实质合并原则。但无论SPV离破产有多远，都不能保证SPV永远不破产（第四章）。 随着资产证券化在美国的广泛使用，风险隔离机制也受到了实践的挑战。第四章研究了两个失败的资产证券化案例，以说明风险隔离机制中存在的问题。其中一个主要问题是法律在对资产转移重新定性中存在的不确定性，《资产证券化的法律解释》就此提出了一个新的建议（第五章）。 第六章主要研究了资产证券化给社会带来消极影响，这种负面效应主要表现在损害了发起人的无担保债权人的利益和侵权制度。《资产证券化的法律解释》利用经济学上解决外部性的方法，尝试着提出了一个建议：通过适当扩大发起人公司董事的信义责任，把资产证券化的外部性内部化。 第七章是对《资产证券化的法律解释》研究成果的适用。通过适用破产隔离理论，《资产证券化的法律解释》认为资产证券化在中国可以适用的理论基础是可以避免中国担保制度中存在的缺陷。接下来《资产证券化的法律解释》详细研究了风险隔离机制在中国适用的可能性和会对中国社会产生的影响。结论是因为中国法律的不确定性，资产证券化的风险隔离机制在中国能否成功，也存在着极大的不确定性。 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