住宅抵押贷款证券化浅析  

作　　者：徐战平 

机构地区：[1]北京师范大学珠海分校教育资本研究中心,广东珠海519085

出　　处：《特区经济》2010年第5期122-123,共2页Special Zone Economy

摘　　要：住宅抵押贷款证券化,是金融体系完善的国家联接住宅金融市场与资本市场的通行做法,从效率的角度出发,这种体系的设计,除可以降低银行开展住宅抵押贷款的成本,扩大银行融资的渠道外,最主要的是,资产证券化是一个世界性的潮流,而资产证券化一般都是由住宅抵押贷款证券化开始的。本文对住宅抵押贷款证券化的基本内涵及推行该体系的配套条件做了初步的探索,探析的目的是为设计及推行住宅抵押贷款证券化设计配套条件提供一些思路。Mortgage Backed Securitization（MBS） is a popular approach used by countries which have consummate financial systems linking housing financial markets and capital markets.From the viewpoint of efficiency,the rationale of the system not only reduces the cost of housing mortgage loan and enlarges the sources of raising funds,but,most importantly,it is a worldwide trend at the moment.Normally,capital securitization can be traced from the occurrence of securitization of housing mortgage loan.The preliminary analysis of the basic connotation of MBS and the supporting conditions for implementing the system are included in this article.The purpose of doing this is to share the opinion in respecting of the devising and implementation of complementary conditions required in order to realize the securitization of housing mortgage loan.

关 键 词：抵押贷款 证券化 利率 

分 类 号：D922.287[政治法律—经济法学]