经济发达国家和地区住房抵押贷款证券化的比较与借鉴

Comparison and Lesson of Securitisation of Housing Collateral Loan in Economically Developed Countries and Regions

住房抵押贷款证券化最早产生于美国,后相继在英国、日本等国家和地区获得了不同程度的发展,各国在证券化过程中,所选择的模式是不尽相同的。在我国住房抵押贷款证券化的实施过程中,应结合现实环境,广泛借鉴国外的先进经验,但又不能为其所局限,要努力探索和积极尝试适合我国国情的住房抵押贷款证券化模式,并不断加以总结和推进。

Housing collateral loan took earliest place in the U.S.A.,and subsequently developed in countries and regions like Britain, Japan, etc. All of the countries did not choose the same mode in their course of securitisation. The securitisation in our country should take the actual circumstances into account and should extensively and unconfinededly refer to the advanced foreign experience. It is imperative to explore and try in an active way the mode that conforms to the situation in our country and to steadily make summaries and carry it forward.