论文部分内容阅读
分析我国住房抵押贷款证券化实际操作中 ,所需要解决的重大问题。这包括政策取向中的共性与个性 ,如认识我国银行业特殊而又迫切的内在需求 ;市场培育中的难度与深度 ,如一、二级抵押贷款市场的开拓 ,机构投资者的培养等 ;制度框架中的重点与难点 ,如个人信用制度、债券发行制度的建设等 ;品种设计中的选择与困难 ,如住房公积金贷款与商业性住房贷款二者利率不一致的问题。
Analysis of the actual operation of China’s mortgage-backed securities, the major issues to be solved. This includes the commonalities and individualities in the policy orientation, such as recognizing the special and urgent internal needs of China’s banking industry; the difficulty and depth in market cultivation such as the development of the first and second-tier mortgage loan markets and the training of institutional investors; and the institutional framework In the key and difficult points, such as personal credit system, the bond issuance system construction; varieties of design choices and difficulties, such as housing provident fund loans and commercial housing loans interest rate is inconsistent.