论文部分内容阅读
个人住房贷款比重接近20%时，商业银行整体流动性和中长期贷款比例的约束就会威为非常突出的问题，而中国已经大大超过此比例。资产证券化也许是化解这一风险的有效途径
When the proportion of individual housing loans is close to 20%, the overall liquidity of commercial banks and the proportion of medium and long-term loans will be very prominent issues, and China has greatly exceeded this proportion. Asset securitization may be an effective way to mitigate this risk