我国推行住宅抵押贷款证券化问题分析

Problem Analysis on Securitization of Home Mortgage Lending in Our Country

目前,在我国推行住宅抵押贷款证券化存在着抵押贷款规模过小、房地产开发融资渠道不宽、商业银行积极性不高、信用制度不健全、法律环境不完善等问题。我国还不具备大规模推广住宅抵押贷款证券化的条件。

At present, there are many problems in carrying out the securitization of home mortgage lending, including rather small scale of mortgage loan, narrow channel for financing of land and building, low enthusiasm of commercial bank, unsound credit system, imperfect legal environment, etc. Therefore, this paper suggests that the condition for expanding securitization of home mortgage lending in a large scale is not acquired.