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住房抵押贷款证券化的实质,可以理解为将信贷资产的未来收益以证券的形式提前转让给投资者。实施住房抵押贷款证券化首先要法规先行,同时要建立独立的信用机构,在具体操作中特别要加强风险防范。
The essence of the mortgage-backed securitization can be understood as the pre-transfer of the future proceeds of credit assets in the form of securities to investors. The implementation of mortgage-backed securitization must first of laws and regulations, while establishing an independent credit agencies, in particular the operation of specific risk-prevention should be strengthened.