美国住房抵押贷款业经过一个多世纪的发展，已经形成一个建立在市场机制上、政府适度干预下的发达完备的体系。尽管如此，这个行业由于信息技术日新月异的发展和竞争的激烈，也经历着跨世纪的变革。１　抵押贷款商品化观念日趋加强与其说美国经营住房抵押贷款的公司是金融服务 After more than a century of development, the U.S. mortgage loan industry has formed a well-developed system based on the market mechanism and moderate government intervention. However, due to the rapid development of information technology and the fierce competition, this industry also undergoes cross-century changes. 1 mortgage loans increasingly commoditized Not so much the United States to run a mortgage loan company is financial services