住房抵押贷款证券化
住房抵押贷款证券化(论文7600字)
摘要
随着我国住房抵押贷款市场规模的迅速扩张，商业银行住房抵押贷款压力逐渐加大，资金供需矛盾凸显，短存长贷引致的资产负债不匹配程度加重，商业银行的流动性风险增加。由此推行住房抵押贷款证券化，解决商业银行面临的短存长贷的困境，提高资产流动性，降低商业银行风险，成为势在必行的选择。在国外住房抵押贷款证券化技术已相当成熟，但在我国由于制度、法律等方面的原因，住房抵押贷款证券化还没有真正实施，因此，研究抵押贷款证券化模式具有重要的理论意义和实际价值。
【关键词】 住房抵押贷款证券化 现状 对策
Abstract
With the large-scale of mortgage-backed loans, the pressure of commercial banks in mortgage-backed loans gradually increases, the contradiction of fund in supply and need comes into being, the contradiction from short-term liabilities to long-term assets is becoming serious gradually, the liquidity risk of commercial banks increases. As a result, solving the trouble of short-term capital for long-term loan that commercial banks faced and raising the liquidity of asset by implementing mortgage-backed securities, is a necessary choice. Abroad the technology of mortgage-backed securities has matured however in our country,
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Because of system, laws etc., mortgage-backed securitization haven’t yet implemented. So research on the mode of mortgage-backed securitization on abroad has important theoretical significance and actual value.
Keywords：Housing mortgage loan securitization status quo countermeasure
目录
前言 1
一、住房抵押贷款证券化 1
（一）、住房抵押贷款证券化的概念 1
（二）、住房抵押贷款证券化的发展历程 2
二、我国住房抵押贷款证券化的现状 2
（一）、我国住房抵押贷款证券化的现状 2
（二）、我国住房抵押贷款证券化的特征 3
三、我国住房抵押贷款证券化过程中遇到的技术问题 3
（一）、技术问题 3
（二）、法律风险 5
四、我国住房抵押贷款证券化未来发展的对策 6
（一）、如何解决设计问题 6
（二）、如何解决发行管理问题 6 [资料来源：http://doc163.com]
（三）、如何避免参与主体风险与法律本身的风险 7
结论 8
参考文献 9