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随着我国人口老龄化的压力加大,目前国内对于改革和完善我国养老保障体系的呼声越来越高。反抵押贷款业务作为养老保险体系的有效补充正逐渐受到国内商业银行和保险公司的重视;然而该业务实施过程中资金凝固带来的支付难题一直是其发展的主要障碍。本文从资产证券化这一新兴的融资模式出发,论证了反抵押贷款业务实施证券化的可行性,建设性地提出我国反抵押贷款业务实施证券化的基本流程和具体措施。
As the pressure of population aging in our country increases, so far the domestic voice for reforming and improving our country’s old-age security system is getting higher and higher. As an effective complement to the pension insurance system, the anti-mortgage loan business is gradually receiving the attention of domestic commercial banks and insurance companies. However, the problem of payment caused by the solidification of capital during the implementation of the business has been a major obstacle to its development. Based on the emerging financing model of asset securitization, this paper demonstrates the feasibility of implementing the securitization of the anti-mortgage loan business and constructs the basic process and concrete measures for the implementation of the securitization of our anti-mortgage loan business constructively.