我国实施住房抵押贷款证券化的策略研究

The Strategy Research of the Housing Mortgage Securitization

随着我国住房制度改革进程的不断加快,住房抵押贷款的需求量将快速增长,这必将会使我国金融机构"短存长贷"的矛盾和资金短缺问题越发凸现,住房抵押贷款证券化作为一条较好的解决途径非常值得我们进行深入研究。本文从建立健全政府的支持体系和不断完善住房抵押贷款证券化的基础条件两个方面对我国实施住房抵押贷款证券化进行了探讨。

Along with the reform progress of our country housing system continuously quicken, the demand of the housing mortgage will quickly increase. This will make our country financing institution's short-term funds be used by long-term loan contradiction and funds missing problem quickly appear. The housing mortgage securitization to be used as a good path of solution deserve us to go deep into research. This paper puts forward the strategy of developing housing mortgage securitization in our country.