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2005年12月15日,备受国内外金融同业瞩目、国内首单个人住房抵押贷款证券化产品“建元2005-1个人住房抵押贷款支持证券”正式进入全国银行间债券市场,它标志着我国住房抵押贷款证券化进入实际操作阶段。实践中,住房抵押贷款证券化的实施尚不尽人意。本文拟从资产证券化的基本原理出发,对我国商业银行实施住房抵押贷款证券化面临的各种问题进行分析说明,探索解决问题的办法。
December 15, 2005, much attention of domestic and foreign financial peers, the first domestic personal housing mortgage loan securitization products “Jianyuan 2005-1 personal housing mortgage backed securities ” entered the national inter-bank bond market, which marks China’s mortgage-backed securitization into the actual operation stage. In practice, the implementation of the mortgage-backed securitization is not satisfactory. This article intends to start from the basic principle of asset securitization, analyze and explain the various problems faced by China’s commercial banks in the implementation of the mortgage-backed securitization, and explore ways to solve the problems.