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在我国现有的银行资产状况及居民收入条件下，开展抵押贷款证券化的作用： １、抵押贷款证券化间接促进住房销售。抵押贷款证券化并不直接帮助房地产商卖房，但是它通过改善银行资产，使抵押贷款银行尽快回收资金，鼓励银行为居民购房提供更多的、利息较低的贷款，增加居民住房
In our country’s existing bank assets and resident income conditions, to carry out the role of mortgage loan securitization: 1, mortgage loan securitization indirectly promote housing sales. Mortgage securitization does not directly help realtors sellers, but through the improvement of bank assets, mortgage lenders to recover funds as soon as possible, encouraging banks to provide residents with more interest, lower interest loans to increase residential housing