试论住房抵押贷款证券化策略安排

The Tactical Arrangement on Implementing the Housing Mortgage Loan Securitization in China

住房抵押贷款证券化制度的建立、发展与住房抵押贷款市场的发展和外部相关环境的完善密切相关。在短期内应着重促进住房抵押贷款市场的发展和实行证券化外部相关环境的完善 ,为发展证券化创造必要条件。在中长期内 ,则应通过试点小规模发行住房抵押贷款债券逐步探索适合我国具体情况的证券化实施方法、积累经验 。

The establishment and development of the housing mortgage loan securitization has a close bearing with the development of the housing mortgage loan market and the consummation of the relative outer environment . In the short-term period, the development of the housing mortgage loan market and the consummation of the relative outer securitization environment should be emphasized in order to create the necessary condition for the development of the securitization. In the mid-long-term period, small scale housing mortgage loan bond is to be issued in order to explore the operational method that suits our country's concrete situation , to accumulate experience and then to establish the working mechanism for the housing mortgage loan securitization.