经济发达国家和地区住房抵押贷款证券化的比较与借鉴

江汉学术 ›› 2005, Vol. 24 ›› Issue (3): 96-99.

经济发达国家和地区住房抵押贷款证券化的比较与借鉴

张晓琦

长城地产集团股份有限公司　投资策划中心,　广东　深圳 518028

收稿日期:2004-10-20 出版日期:2005-03-01 发布日期:2013-12-13
作者简介:张晓琦(1969-),女,重庆人,深圳市长城地产(集团)股份有限公司投资策划中心营销总监。

Comparison and Lesson of Securitisation of Housing Collateral Loan in Economically Developed Countries and Regions

ZHANG Xiao-qi

Investment Plan Center,Great Wall Real Estate(Group Limited Company,Shenzhen 518028,Guangdong,China

Received:2004-10-20 Online:2005-03-01 Published:2013-12-13

摘要/Abstract

摘要： 住房抵押贷款证券化最早产生于美国,后相继在英国、日本等国家和地区获得了不同程度的发展,各国在证券化过程中,所选择的模式是不尽相同的。在我国住房抵押贷款证券化的实施过程中,应结合现实环境,广泛借鉴国外的先进经验,但又不能为其所局限,要努力探索和积极尝试适合我国国情的住房抵押贷款证券化模式,并不断加以总结和推进。

关键词: 住房抵押贷款, 证券化, 机构投资者

Abstract: Housing collateral loan took earliest place in the U.S.A.,and subsequently developed in countries and regions like Britain, Japan, etc. All of the countries didnot choose the same mode in their course of securitisation. The securitisationin our country should take the actual circumstances into account and should extensively and unconfinededly refer to the advanced foreign experience. It is imperative to explore and try in an active way the mode that conforms to the situation in our country and to steadily make summaries and carry it forward.

Key words: housing collateral loan, securitisation, institu tional investor

中图分类号:

张晓琦. 经济发达国家和地区住房抵押贷款证券化的比较与借鉴[J]. 江汉学术, 2005, 24(3): 96-99.

ZHANG Xiao-qi. Comparison and Lesson of Securitisation of Housing Collateral Loan in Economically Developed Countries and Regions[J]. JIANGHAN ACADEMIC, 2005, 24(3): 96-99.