摘要
缺少二级市场的住房抵押贷款市场永远是不完整的市场。由直接转让住房抵押贷款合同所形成的二级市场,效率是不高的。住房抵押贷款证券化可以最大限度上克服直接转让的缺陷,促进二级市场的快速发展。因此,我国必须走依靠证券化发展住房抵押贷款二级市场的道路。
The housing mortgage market will remain half-baked without a secondary market; the secondary market with direct cession cannot be efficient. Securitization of housing mortgage can best develop the secondary market, as it is free of the limitations of direct cession. Therefore, China must follow the road of securitization in order to develop the secondary market of housing mortgage.
出处
《武汉科技大学学报（社会科学版）》
2005年第4期21-25,共5页
Journal of Wuhan University of Science and Technology:Social Science Edition
关键词
住房抵押贷款
证券化
二级市场
housing mortgage
securitization
secondary market
