| 住房抵押贷款证券化探讨 |
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| 引用本文： | 崔贤光.住房抵押贷款证券化探讨[J].价值工程,2007,26(2):140-143. |
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| 作者姓名： | 崔贤光 |
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| 作者单位： | 烟台市安全生产监测培训中心,烟台,264000 |
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| 摘 要： | 随着住房贷款的增加,银行所面对的风险也随之增大。化解这一风险的有效途径就是实行住房抵押贷款证券化。住房抵押贷款证券化可以降低和分散商业银行的风险,拉动房地产业增长。但是现阶段,在我国实行住房抵押贷款证券化还存在各种障碍,这也就要求我们采取有效措施。最后,对存在的障碍和应采取的措施进行了详细的论述。
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| 关 键 词： | 房地产 银行信贷 住房抵押贷款证券化(MBS) |
| 文章编号： | 1006-4311（2007）02-0140-04 |
The Discussion about Mortgage-Backed Securities |
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| Cui Xianguang.The Discussion about Mortgage-Backed Securities[J].Value Engineering,2007,26(2):140-143. |
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| Authors: | Cui Xianguang |
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| Institution: | Yantai Training Center of Production Safety and Monitor,Yantai 264000,China |
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| Abstract: | Along with the increase of the housing loan, the risk which brings to the commercial bank also increases. An effective method to solve the risk is Mortgage-Backed Securities. It may reduce the risk of the commercial bank, make the housing industry increasing. But presently, Mortgage-Backed Securities faces to many barriers; so we have to take some effective methods. At last, we discussed a lot about the barriers and the methods. |
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| Keywords: | real estate bank credit mortgage-backed securities(MBS) |
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