依靠证券化发展住房抵押贷款二级市场  

Developing Secondary Market of Housing Mortgage by Securitization

作　　者：陈卉夷[1] 

机构地区：[1]武汉大学经济与管理学院,湖北武汉430072

出　　处：《武汉科技大学学报（社会科学版）》2005年第4期21-25,共5页Journal of Wuhan University of Science and Technology:Social Science Edition

摘　　要：缺少二级市场的住房抵押贷款市场永远是不完整的市场。由直接转让住房抵押贷款合同所形成的二级市场,效率是不高的。住房抵押贷款证券化可以最大限度上克服直接转让的缺陷,促进二级市场的快速发展。因此,我国必须走依靠证券化发展住房抵押贷款二级市场的道路。The housing mortgage market will remain half-baked without a secondary market; the secondary market with direct cession cannot be efficient. Securitization of housing mortgage can best develop the secondary market, as it is free of the limitations of direct cession. Therefore, China must follow the road of securitization in order to develop the secondary market of housing mortgage.

关 键 词：住房抵押贷款 证券化 二级市场 

分 类 号：F832.45[经济管理—金融学]