【摘要】 作为一种新的债券证券化形式,房地产抵押贷款证券化扩大了商业银行以较低成本获取信贷资金的来源,增强了住房抵押贷款的安全性和流动性,刺激了居民购房的有效需求,成为国际上通行的一种高效的房地产资金融通运作模式。论述了中国证券市场目前已经具备发展房地产抵押贷款证券化所必需的大部分条件,寻求适合中国国情的房地产抵押贷款证券化道路已成为中国房地产实现良性循环的迫切要求。更多还原

【Abstract】 As a new form of bond management,the stock management of mortgage loan in real estate industry can expand the channels for the commercial banks to obtain credit fund with a comparatively low cost,ensure safety and free flow of the housing mortgage loan and stimulate the effective demand of the residents to purchase the appartment and,therefore,it has become an efficient international operation to finance the real estate industry.Now,China’ stock market is basically mature to develop the stock management of mortgage loan in real estate industry,and meanwhile,finding a Chinese characteristic road of the management is urgent for China to safeguard a healthy development of the real estate industry.更多还原