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论证了在我国实行个人住房抵押贷款证券化在经济上是可行的,着重研究建设银行个人住房抵押贷款证券化问题,探讨相应的证券化方案,分析了我国个人住房抵押贷款证券化将面临的政策、法规、技术等方面的障碍,并提出相应的政策建议。
It proves that it is economically feasible to implement the personal housing mortgage loan securitization in our country. The study focuses on the securitization of personal housing mortgage loan in China Construction Bank, discusses the corresponding securitization scheme, and analyzes the policies that China’s personal housing mortgage loan securitization will face , Regulations, technology and other obstacles, and put forward corresponding policy recommendations.