摘要
抵押贷款证券化对健全金融市场、改善银行资本结构、增加房地产业的流动性起到了重要作用。同时,由于监管不力,证券化过程中的违规操作促发了2007年以来的次贷危机。本文拟探讨在全球金融危机的背景下,根据我国现有金融监管体制和房地产市场的发展,如何建立完善的监管体系,在保证金融体系安全稳定的同时,促进抵押贷款证券市场的健康发展。
Mortgage-backed securitization has been playing a very important role in strengthening financial market,improving bank capital structure and increasing the capital mobility of real estate.However,the going-against-rule operation in the process of securitization triggers the sub-prime crisis beginning from 2007 because of lax supervision.This article discusses how to build a perfect supervisory system to promote the healthy development of mortgage-backed securitization with assurance of a safe and steady f inancial system.The discussion takes the global f inancial crisis as the background and is based on the current supervisory system of f inance and real estate market in China.
出处
《北京政法职业学院学报》
2011年第2期108-112,共5页
Journal of Beijing College of Politics and Law
关键词
抵押贷款证券化
金融危机
金融监管
mortgage-backed securitization
f inancial crisis
f inancial supervision
