摘要
本文从介绍美国住房抵押贷款证券化模式入手,对我国的住房抵押贷款证券化模式作一些尝试性的分析。并结合我国的实际情况设计了政府型住房抵押贷款证券化模式,分析了该模式的特点和存在的问题,得出结论:在相关条件成熟后,应以政府型住房抵押贷款证券化模式推广该业务,并就完善住房抵押贷款证券化业务提出几点个人建议。
With the development of the housing industry, the scale of our nation' s housing mortgaging loan is increasing rapidlly, so that building a second market is required very much. But some scholars think that there are not enough conditions and we should postpone the negotiable securities. However, the theoretical study should be the first. The ariticle tries to make an analysis to the pattern above in our country by introducing the American negotiable securities pattern of the housing mortgaging loan. And meanwhile, the author analyzes the characteristics and existed problems of the pattern,associating with our country's actual situation.Lastly, we come to a conclusion,that is ,when the relevant conditions are matural, we should popularize this business by the pattern of the government - type housing mortgaging loan, and put forward some suggestions.
出处
《黄冈职业技术学院学报》
2004年第2期30-33,共4页
Journal of Huanggang Polytechnic
关键词
住房抵押贷款
证券化
风险分析
政府干预作用
机构投资者
The Negotiable Securities Pattem of the housing
Mortgaging Loan
Housing Mortgaging loan
Mortgage supports the negotiable securities
