个人住房抵押贷款证券化信息披露的问题与对策

Information Disclosure in Mortgage Backed Securitization: Problems and Countermeasures

我国个人住房抵押贷款证券化的信息披露制度已经初步建立,但仍然存在诸多的问题,诸如信息缺乏共享、信息披露要求有欠严谨、信息披露时效性不强、完整性不足等。建立跨部门跨系统的信息共享机制、增强规则语言的严谨性、改善现行信息披露的方式和手段、建立信息披露问责制等措施,有利于完善我国个人住房抵押贷款证券化的信息披露制度。

Information disclosure system in mortgage backed securitization has primarily been established in China. However, there are a lot of problems to be solved, such as the lack of common share of information resources, inexact requirements of information disclosure, and insufficiency of timeliness and integrality. The perfection of this system should be made from the following four aspects： inter departmental share, precise linguistic rules, perfect means and responsibility.