对推进我国房地产抵押贷款证券化的思考  

A Consideration of Propelling the securitization of Our Country's Real Estate Mortgage

作　　者：王小雪[1] 安合祥[1] 

机构地区：[1]天津财经学院金融系,天津300222

出　　处：《现代财经（天津财经大学学报）》2004年第2期21-24,共4页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

摘　　要：我国的房地产抵押贷款有不断增长的趋势,这给商业银行带来了巨大的压力。如果不能很好地释放压力,住房制度改革的进一步深化将遇到新的难题。积极推动房地产抵押贷款证券化可以有效地解决银行贷款风险分散、为投资者开拓新的投融资渠道等问题。我国目前推进房地产抵押贷款证券化尚存在一些障碍,消除这些障碍需要从法律制度的建设、会计制度的完善、机构投资者的培育等诸多方面做出不懈的努力。The real estate mortgage in China is increasing, which brings enormous pressure to the commercial banks. If these pressure can't be released the further development of the housing system reform will meet new problems. Actively propelling the securitization of the real estate mortgage can effectively decentralize the bank's loan risk and can provide new investing channel for the investors. There still exist some impassible barriers in our country's propelling the securitization of the real estate mortgage. In order to remove these barriers we have to make efforts to in the following aspects: constructing legal system, consummating the accounting system, and cultivating the institutional investors.

关 键 词：房地产抵押贷款 房地产抵押贷款证券化 分散风险 机构投资 

分 类 号：F830.5[经济管理—金融学]