一、实行MBS在我国的环境缺失分析1.制度环境的缺失分析——住房抵押贷款担保及保险机制的缺失在我国,目前虽然在上海、成都等地试点了抵押贷款保险制度,但却存在着明显的缺陷:①以企业形式提供保险,没有引入政府信用,而政府信用的资信等级最高,如把政府信用引入住房贷款保险,? First, the implementation of the lack of environmental MBS analysis in China 1. Lack of institutional environment analysis - lack of housing mortgage loan guarantees and insurance mechanisms In our country, although the pilot in Shanghai and Chengdu mortgage insurance system, but there is Obvious defects: ① to provide insurance in the form of enterprises, there is no introduction of government credit, and the credibility of the highest level of government credit, such as the government credit into housing loan insurance?