摘要
积极推进个人住房抵押贷款证券化业务,有益于银行盘活存量资产,降低风险资产,有效防范系统性金融风险,进而促进我国房地产市场持续健康发展。本文分析了个人住房抵押贷款证券化的发展现状,依据我国当前的现实环境,提出了实施其业务的可行性,并设计出具体的个人住房抵押贷款证券化交易结构流程,为推行该业务提出一些建议。
Boosting the business of residential mortgage - backed securitization is helpful for banks revitalizing stock assets, reducing risk assets, preventing systematic financial risks effectively and promoting the continuous healthy development of the real estate market of our country. The authors analyze the developing status of RMBS. Based on the reality of China' s current situation, the authors advance the feasibility of the implementation of this business and design the transaction structure and processes of RMBS and put forward some suggestions for implementing the business.
出处
《经济经纬》
CSSCI
北大核心
2010年第3期126-129,共4页
Economic Survey