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证券化是国际金融领域重要的融资方式之一,证券化最早的形式是融资证券化,即资金需求者通过在资本市场和货币市场上发行股票、债券、基金、可转换公司债券等证券向投资者筹资的传统融资方式。从20世纪60年代开始在一些发达国家出现,并发展了以增强信贷资产流动性为目的的证券化新的形式——资产证券化,这是一种以一级市场上住房抵押贷款组合为基础发行抵押贷款证券的融资行为。我国银行的个人住房贷款业务开办时间较短、规模太小,操作的规范性也不够,推行住房
Securitization is one of the most important forms of financing in the field of international finance. The earliest form of securitization is financing securitization. That is, securitization, through the issuance of stocks, bonds, funds, convertible bonds and other securities to capital markets and money markets, The traditional means of financing. Since the 1960s, some developed countries have emerged and developed a new form of securitization aimed at enhancing the liquidity of credit assets - asset securitization, which is based on a portfolio of mortgage-backed loans on the primary market Issue of mortgage-backed securities financing. Bank of China’s personal housing loan business started a short time, the scale is too small, normative operation is not enough, the implementation of housing