关于住房融资证券化的必要性与设想

The Necessity and Propositions of Securitization of Housing Financing

促进住房消费是我国政府为提高人民的生活质量和扩大内需而实施的重大举措。本文认为 ,启动与繁荣住房市场 ,有赖于住房金融业的发展 ,住房金融的间接融资是住房业生存与发展的双足 ,住房金融的直接融资则能为住房业发展插上双翅 。

Promoting the housing consumption is one of the important measure adapted by the Chinese government to improve the people's living standard and stimulate the civil demand. The paper proposes that the prosperity of the housing market depends upon the development of housing financing; and that indirect housing financing is the feet of the existence and growth of the housing industry and direct housing financing is the wings of it. The anthor presents several propositions of securitifying the housing financing.