本文阐明了住房抵押贷款证券化的意义和操作程序,重点对我国住房抵押贷款证券化运作的障碍以及解决的对策进行了深入的分析。我国的银行,中介机构等因以此为契机,本文指出应借鉴国外资产证券化的发展历史,研究开发更为先进的资产证券化品种,从而掀起金融领域的新浪潮。 This article clarifies the meaning and operating procedure of the mortgage-backed securitization, and gives an in-depth analysis of the obstacles to the operation of China’s mortgage-backed securitization and the countermeasures. As a result of this opportunity, our country’s banks and intermediaries have pointed out that we should learn from the history of the development of overseas asset-backed securities and research and develop more advanced types of asset-backed securities, thus setting off a new wave in the financial field.