我国房贷证券化(MBS)的发展问题研究.doc
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我国房贷证券化(MBS)的发展问题研究
摘要:近年来,随着房地产市场的迅猛发展,居民对住房抵押贷款的需求不断增加,为住房抵押贷款证券化(MBS)的发展提供了很好的平台。但目前我国MBS的发展还处于起步阶段,前方障碍重重。首先是担保机制和信用评级机构的不完善,使得投资者对于MBS的参与积极度不高。其次是我国市场还未建立统一的MBS定价标准,一切都需要慢慢摸索。市场上对此存在较大的分歧。抵押贷款市场的不成熟更是使得MBS的推进工作举步维艰。最根本的是MBS的风险控制问题没有得到有效解决。当然法律制度的不完善对其也有不利之处。因此,本文通过汲取国外的经验教训并结合我国的实际情况对我国MBS的发展问题展开分析,并给出自己的一些建议。
关键词:MBS、现状、发展问题
Study on the development of MBS in China
Abstract: In recent years, with the rapid development of the real estate market,?the demands for housing mortgage loans continue to increase, which provides a good platform for the development of MBS. But at present, the development of MBS in China is still in the initial stage. There are many obstacles waiting to solve. The first question is the imperfect of guarantee mechanism and credit rating agencies, mak