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住房抵押贷款证券化,主要是指推行住房抵押贷款证券(Mortgage-Backed Securities,即 MBS),是指以单个或多个住房抵押贷款作为担保品的债务证券。可以说,近年来住房抵押贷款证券化的思想已广泛导入学界、业界。人们已经意识到推行 MBS 对于促进住宅产业发展、防范金融风险以及优化证券市场结构等方面的巨大意义。特别是近期央行行长戴相龙透露,住房抵押贷款证券化的步伐将加快。但在目前国内相关的
Mortgage-backed securitization refers mainly to the implementation of Mortgage-Backed Securities (MBS), which refers to debt securities that use one or more home-equity loans as collateral. It can be said that in recent years, the idea of housing mortgage loan securitization has been widely imported into academia and industry. People have realized the great significance of implementing MBS in promoting the development of housing industry, preventing financial risks and optimizing the structure of the securities market. In particular, the recent central bank governor Dai Xianglong revealed that the pace of securitization of home mortgages will be accelerated. But in the current domestic related