我国住房抵押贷款证券化风险防范研究  

On the Prevention of Securitization Risk of Housing Mortgage Loan in China

作　　者：康书生[1] 董捷[2] 

机构地区：[1]河北大学经济学院,河北保定071002 [2]中国社会科学院,北京100029

出　　处：《现代财经（天津财经大学学报）》2010年第10期9-12,共4页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：2008年河北省教育厅社科基金项目"金融经济危机化解与防范研究"成果之一

摘　　要：作为一种金融工具,住房抵押贷款证券与其他金融工具一样都是风险与收益的结合体。我国住房抵押贷款证券化存在的风险主要有信用风险、利率风险、流动性风险。借鉴美国次级债危机带给我们的启示,我国应当加强住房抵押贷款证券化业务的风险管理,完善住房抵押贷款证券化业务参与主体的管理,加快住房抵押贷款证券化的法律法规建设,金融监管与金融创新相互协调,有效防范化解住房抵押贷款证券化风险。As a financial instrument,MBS is a combination of risk and return.In our country,the risks in MBS are credit risk,interest rate risk,liquidity risk.Learn from U.S.subprime crisis,we should strengthen the mortgage securitization business,risk management,improve the mortgage securitization business participation in the management of the main body,speed up the mortgage securitization laws and regulations,coordinate financial supervision with financial innovation,and effective guard against and defuse the risk of mortgage securitization.

关 键 词：住房抵押贷款 资产证券化 风险防范 

分 类 号：F830.91[经济管理—金融学]