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9月30日,央行“首套房利率最低可打七折”的新政如同深水炸弹,搅皱了一直波澜不惊的房贷市场。但据调查显示,到目前为止,这一房贷新政仍然只是来自宏观层面的指导意见,商业银行对此采取的态度颇为一致:暂无行动。为了分担房贷风险以提高银行放贷积极性,央行新政也将目光投向了能为信贷腾挪空间的金融创新之举,特别是“鼓励银行业金融机构通过发行住房抵押贷款证券来筹集资金”。但这种抵押贷款证券化(MBS)手段在国内已经徘徊10年,银行在利益权衡之后,并没有表现出预期的踊跃。
September 30, the central bank “the first suite lowest interest rates can play 30% discount ” New Deal like a deep-water bomb, wrinkled the mortgage market has been placid. However, according to the survey, so far, the mortgage New Deal is still only from the macro-level guidance, commercial banks take the same attitude: No action. In order to share the risk of mortgage loans to improve bank lending enthusiasm, the New Deal of the central bank has also turned its attention to financial innovations that can make room for credit expansion. In particular, it encourages banking financial institutions to raise funds through the issuance of mortgage-backed securities. However, this mortgage-backed securities (MBS) method has been hovering in China for 10 years and banks have not shown the expected enthusiasm after weighing the interest.