中国建设银行住房抵押贷款资产证券化研究

摘    要
住房抵押贷款证券化是二十世纪国际金融领域最重大的金融创新之一。目前，住房抵押贷款证券品种和技术不断发展，形成了全球化的趋势。随着我国土地使用制度和住房制度改革，住房抵押贷款证券化被认为是我国资产证券化的切入点。实施住房抵押货款证券化能提高资金流动性，拓宽融资渠道，分散银行风险等优点。通过住房贷款的基本理论，研究建行住房抵押货款证券化的目的，意义，以及国内外研究的现状。总结了中国建设银行在国内首次发行住房抵押货款证券的情况，分析实施住房抵押贷款证券化面临的法律、信用、证券市场等方面的障碍，以及提出的一些相关的对策，使建行的住房抵押贷款证券化朝着一个更稳定、更快的方向发展。

            
关键词：中国建设银行  住房抵押贷款  资产证券化

 
Abstract
Mortgage-Backed Securities is the 20th century the international financial field the most significant one of the financial innovations. At present, the housing mortgage loan securitization varieties and technology development, resulting in the globalization trend. As China's land-use system and the reform of the housing system, Mortgage-Backed Securities was considered China's asset securitization on the question. Implementation of housing mortgage loan securitization to improve the liquidity and broaden the financing channels, decentralized bank risks such advantages. Housing loans through the basic theory, the Construction Bank of housing mortgage securities of the purpose, meaning, and the status of the research. Summed up in the China Construction Bank issued the first domestic housing mortgage securities, Analysis of the implementation of the housing mortgage loan securitization facing legal, credit and market-related barriers, and the number of related measures to enable the construction of housing mortgage loans  securitization towards a more stable and faster direction.

Keywords：China Construction Bank; Mortgage loans; Asset securitization

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