抵押银行债券是住房金融机构获得住房抵押贷款资金的两种主要融资方式之一。在我国目前推行住房抵押贷款证券化,约束条件很多,准备成本很高,而发展抵押银行债券的约束条件很少,准备成本很低,却可以获取与住房抵押贷款证券化同样的收益。目前我国应该创立抵押银行制度,大力发展抵押银行债券。 Mortgage Bank Bonds is one of the two major financing methods for housing finance institutions to obtain housing mortgage loans. In our country, the current implementation of the mortgage-backed securitization, many constraints, the preparation cost is very high, and the development of mortgage bank bonds with few constraints, the preparation cost is very low, but you can get the same benefits with the mortgage-backed securitization. At present, China should establish a mortgage banking system and vigorously develop mortgage bank bonds.