【摘要】 随着我国房地产业的高速发展和单一的房地产银行融资手段,我国商业银行住房抵押贷款余额占其贷款 余额的比重越来越高,从而使得我国商业银行面临的金融风险越来越大,而且单一的银行融资手段不利于我国房 地产业的高速发展,住房抵押贷款证券化对我国房地产业和银行业的发展意义巨大。本文试分析了住房抵押贷款 证券化这一金融创新工具在我国实行的必要性和可行性。更多还原

【Abstract】 With the high-speed development of the real estate of our country and single financing tool of our commercial banks, the loan balance of house mortgage of commercial banks in our country is become higher and higher, which brings enormous pressure to the commercial banks and in the long run, this single financing tool of our commercial banks will do harm to the fast improvement of the real estate of our country. So actively propelling the securitization of the real estate mortgage can effectively decentralize the banks finance risk and also can do favor for the improvement of the real estate industry. So this article tries to analyse the necessity and feasibility of implement of the seeuritization of the real estate mortgage in our country and relative suggestions.更多还原