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住房抵押贷款证券化是一种金融创新。而在天津推行住房抵押贷款证券化,不仅有必要性,如有利于支持住房消费发展,有利于分散商业银行贷款风险,能够促进资本市场发展等;也具备了可行性,如不乏机构投资者和个人投资者,有政府的支持等。在推行住房抵押贷款证券化时,还应完善相关法律法规,以规范和协调相关方面的行为。
Housing mortgage loan securitization is a kind of financial innovation. The implementation of mortgage-backed securitization in Tianjin is not only necessary, such as supporting the development of housing consumption, diversifying the risk of commercial bank loans, and promoting the development of the capital market. It also has the feasibility that there are many institutional investors and institutional investors Individual investors, with government support. In the implementation of the securitization of housing mortgage loans, but also improve the relevant laws and regulations, to regulate and coordinate the behavior of related parties.