金融危机后我国房地产抵押贷款证券化监管研究  

Supervision over Real Estate Mortgage-Backed Securitization Against Financial Crisis in China

作　　者：李呈[1] 陈旻 

机构地区：[1]中国人民大学公共管理学院 [2]北京市投资促进局职介中心

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

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.

关 键 词：抵押贷款证券化 金融危机 金融监管 

分 类 号：D045.51[政治法律—政治学]