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住房抵押贷款证券化是20世纪70年代以来世界金融领域最重大的金融创新之一,已为当今世界许多国家所采用,这种新型的融资方式改变了传统的金融中介的方法,开辟了市场融资的新途径。美国作为最早开展证券化的国家,拥有其他国家不能比拟的经验和规模。本文通过分析美国住房抵押贷款证券化的发展,希望能够为我国住房抵押贷款证券化有一些借鉴和启示。
Securitization of housing mortgage loan is one of the most important financial innovations in the field of finance in the world since the 1970s and has been adopted by many countries in the world today. This new type of financing has changed the traditional method of financial intermediation and opened up market financing The new way. The United States, as the earliest country to carry out securitization, has the experience and scale that other countries can not compare with. This article analyzes the development of the housing mortgage loan securitization in the United States, hoping to have some reference and enlightenment for China’s housing mortgage loan securitization.