进一步推动MBS发展沈炳熙:国内MBS推进缓慢,主要有以下四个方面的原因。第一,我国目前主要是由商业银行从事房地产贷款业务,住房抵押贷款在商业银行的所有贷款中占比尚不太高,仅有10%左右,商业银行源源不断地吸收存款资金,即可满足其房地产贷款需要,所以商业银行做MBS的紧迫性不是很强。第二,国内商业银行的房贷资产质量总体上优于企业法人贷款,因此,在一个银行内部,投行部门可能愿意做MBS,但 Further promote the development of MBS Shen Bingxi: Domestic MBS promote slow, mainly in the following four reasons. First, our country is mainly engaged in the real estate loan business by commercial banks. The proportion of mortgage loans in commercial banks is still not high, only about 10%. Commercial banks continuously absorb deposit funds to meet their needs Its real estate loan needs, so the urgency of commercial banks to do MBS is not very strong. Second, the quality of mortgage assets of domestic commercial banks is generally better than that of corporate legal persons. Therefore, within one bank, the investment banking department may be willing to do MBS,