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就当前我国房地产融资情况看,一方面我国房地产开发企业缺少资金支持, 另一方面国内商业银行面临潜在的巨大金融风险。而房地产资产证券化有利于商业银行拓展资金来源,增强资产流动性,从而缓解银行压力。 2005年12月1日起,《金融机构信贷资产证券化试点管理办法》正式施行,为房贷证券化提供了政策和法律依据。另外,为配合做好
On the current situation of China’s real estate financing, on the one hand, China’s real estate development enterprises lack of financial support, on the other hand, the domestic commercial banks are facing potentially huge financial risks. The real estate asset securitization is conducive to commercial banks to expand their sources of funds and enhance asset liquidity, so as to ease the bank pressure. Since December 1, 2005, the Measures for the Administration of Pilot Securitization of Credit Assets in Financial Institutions came into force, providing policy and legal basis for mortgage securitization. In addition, to cooperate well