摘要
住房抵押贷款证券化是1970年代在美国开始兴起的一种新兴金融工具,其意义不仅在于使更多的居民买得起住房而推动房地产业的发展,同时能降低金融风险,为资本市场提供一种新型的金融工具而推动金融市场的稳健发展。在我国现行资本条件下,住房抵押贷款证券化亦具有可行性。
Home Mortgage Loan Backed Securitisation （HMBS） is a kind of financial instrument that newly developed in U. S.A. in the 1970s. HMBS program will not only allow more people to afford houses, but also offer a tool for banks to avoid financial risks so that the financial market are promoted. This research suggested that HMBS is feasible for China under the current capital condition.
出处
《财经理论与实践》
CSSCI
北大核心
2005年第6期41-44,共4页
The Theory and Practice of Finance and Economics
