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住房抵押贷款证券化是我国房地产业发展的重要趋势,对于商业银行降低操作风险,提高资金流动性有重要作用。然而住房抵押贷款证券化在我国的发展还不完善,需要进一不提高和完善。
Securitization of housing mortgage loan is an important trend of real estate development in our country and plays an important role for commercial banks to reduce operational risk and increase liquidity. However, the development of the mortgage-backed securitization in our country is still not perfect, and it needs to be further enhanced and improved.