【作者】 刘超；

【导师】 李友华；

【作者基本信息】 东北农业大学 ， 农业经济管理， 2003， 硕士

【摘要】 住房抵押贷款证券化是近20年来世界金融领域最重大的创新之一，目前，住房抵押贷款证券品种和技术不断发展，形成了全球化的趋势。从国际金融发展趋势和我国住房金融市场状况看，住房抵押贷款证券化的推行是我国住房金融市场发展的必然。本文从住房抵押贷款证券化的发展状况出发，借鉴世界发达国家住房抵押贷款证券化的发展模式及经验，提出适合我国的发展住房抵押贷款证券化的对策和建议。 本文首先通过对我国住房金融发展现状及国内外住房抵押贷款证券化发展状况的分析，提出我国实施住房抵押贷款证券化的重要理论与现实意义，进而说明本文研究的目的和意义。提出系统研究我国住房抵押贷款证券化的方法。 在论述住房抵押贷款证券化相关概念的基础上，提出了实施住房抵押贷款证券化的普遍意义和运作原理。 通过对国外发达国家住房抵押贷款证券化发展模式的分析、比较，得出其在发展住房抵押贷款证券化过程中的相同点与不同点，并提出对我国具有借鉴意义的启示。 在分析我国住宅业及住宅金融业发展状况的基础上，论述了我国实施住房抵押贷款证券化的必要性及现实障碍，并提出：我国目前还不具备大规模开展住房抵押贷款证券化的条件，更主要的任务是为住房抵押贷款证券化创造各种市场条件和制度条件。结合国情提出打造住房抵押贷款证券化基础的对策和建议。 最后，通过对上海实施住房抵押贷款证券化的环境分析，提出上海作为试点的证券化实施方案。更多还原

【Abstract】 Mortgage-backed securitization(MBS) is one of the most important innovations in the financial field in the last 20 years.Now the species and skill of MBS is developing continiously and have already preseanted globality.Seeing From the trend of international fmancie developing and the preseant conditions of the housing finance market of our country,MBS is invetable trend.Basing on the developing situation of MBS, using the mode and experience of MBS of develped countries for reference,the theses raised the countermeasures and suggestions fit for developing MBS in our coutry.Through analysis of the preseant situation of housing finance in our country and the devepment situation of MBS inside and outside our country,we raised the important theories and realistic meaning of MBS in our country and the purpose and significance of this thesis.We also raised the method of system studying the MBS in our country.Basing on discussing the basic conception, we raised the universal meaning and operatin principals.Through the analysis and comparition of the methods of MBS of developed countries,we summerized the identical points and differencies and then raised the inspiration for our country.Basing on the analysis of development of housing industry and housing fiance,we discussed the nessesary and practical obstacle,and raised:our country has not the conditions for cosmically developing the MBS now, the most important assigment preseantly is to creative conditions. And then combined with the situations of our country, we raised the countermeasures and suggestions.In the end, through the analysis of the conditions of shanghai, we raised the project of MBS that adapt to shanghai.更多还原