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住房抵押贷款证券化 ,受到市场约束、证券发行与交易方面、外部环境、信用制度等方面的约束。推行住房抵押贷款证券化的对策包括 :①采取先进可靠的计量手段 ,适应证券化对信息精确性的要求 ;②科学确定住房抵押贷款证券的收益水平 ;③规范资信评估机构 ;④制定和完善与住房抵押贷款证券化相关的法律法规。
Mortgage-backed securities are subject to market discipline, securities issuance and trading, external environment and credit system. The measures to promote the securitization of housing mortgage loan include: ① adopting advanced and reliable measurement methods to meet the requirements of securitization for information accuracy; ② scientifically determining the income level of mortgage-backed securities; ③ regulating credit rating agencies; ④ developing and improving Housing mortgage loan securitization related laws and regulations.