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发展历程 2005年12月15日,“建元2005-1个人住房抵押贷款证券化信托优先级资产支持证券”在银行间债券市场公开发行,这是我国首个MBS产品。房贷证券化是建行多年来的心头之痒。1996 年,建行已在其房地产金融部下专设了住房贷款证券化处,积极着手研究房贷证券化。从1999年起开始向央行递交方案,但由于方案本身存在问题,连续四次均未能过关。
Development history December 15, 2005, “Jianyuan 2005-1 Personal Housing Mortgage Securitization Trust priority asset-backed securities” in the inter-bank bond market, public offering, which is China’s first MBS products. Mortgage securitization is CCB’s heart-shaped itch over the years. In 1996, China Construction Bank had set up a special housing loan securitization office under its real estate finance department, actively studying the mortgage securitization. Since 1999, the program has been submitted to the central bank but failed to pass four consecutive times due to problems with the program itself.