住房按揭贷款资产证券化——中国住宅商品化的出路

虽然住房按揭贷款减轻了不少居民的负担,但它还存在着无法克服的功能性缺陷。然而,住房按揭贷款资产证券化不仅对居民买房、商业银行发展、金融市场完善等有着十分重要的意义,而且对我国经济的增长也有着举足轻重的作用。因此,住房按揭贷款资产证券化在我国已迫在眉捷,是中国住宅商品化的出路。

Securitization of Secured Loan Assets of Housing--The Way to Chinese Housing Commercialization

Though housing secured loan lessens the burdens of residents, it has some flaws. But securitization of secured loan assets about housing is very important not only to residents purchasing houses, commercial bank developing, financial perfecting, but also to developing Chinese economics. So securitization of secured loan assets about housing is very necessary, and it is the way to Chinese housing commercialization.