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我国住房抵押贷款证券化的路径选择
引用本文:马达.我国住房抵押贷款证券化的路径选择[J].中央财政金融学院学报,2004(11):40-42.
作者姓名:马达
作者单位:中央财经大学 北京
摘    要:本文通过对商业性住房抵押贷款和政策性住房抵押贷款的比较分析,总结了政策性住房抵押贷款实施证券化的必要性和优势条件,并在此基础上提出了我国住房抵押贷款证券化的发展路径,即按照先政策性住房抵押贷款,再到商业性住房抵押贷款的路径逐步推进证券化工作,在此基础上积累经验,总结技术,为全面推进信贷资产证券化工作打下良好的基础.

关 键 词:住房贷款  证券化  路径选择
文章编号:1000-1549(2004)11-0040-03
修稿时间:2004年8月20日

The Path Selection for China's Housing- loan's Securitization
MA Da.The Path Selection for China''''s Housing- loan''''s Securitization[J].Journal of Central University of Finance & Economics,2004(11):40-42.
Authors:MA Da
Abstract:This paper summarizes the necessity and advantages of policy housing - loan' s securitization through comparing and analyzing the differences between the commercial housing - loan and policy housing-loan. On the basis of that, the paper delivers the development path for our housing Mortgage - Backed Securitization, that is, policy housing - loan first , then commercial housing - loan step by step. By this way, we can build a sound foundation for promoting Mortgage - Backed Securitization comprehensively.
Keywords:Housing - loan Securitization Path - choice
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