住房抵押贷款证券化的本质是一种债权转让行为,这种金融工具的创新在扩大住房融资渠道、降低金融风险等方面有重大的意义。在实施证券化的过程中,运作方式的选择、严格的个人信用审核制度的建立、法律法规的完善等方面的问题有待进一步解决。通过住房抵押贷款证券化进行金融制度和工具的创新,这在扩大住宅融资的渠道,降低金融 The essence of the housing mortgage loan securitization is a kind of creditor’s rights transfer behavior. The innovation of this financial instrument is of great significance in expanding housing financing channels and reducing financial risks. In the process of implementing the securitization, the problems of the selection of the mode of operation, the establishment of a strict personal credit examination system and the improvement of laws and regulations await further resolution. Through the mortgage-backed securitization of financial systems and tools for innovation, which is in the expansion of residential financing channels to reduce financial