|
| 房地产证券化的性质条件及在我国发展的障碍 |
| On the Nature and Condition of Real EstateSecurit ization and Its Appl ication in China |
| |
| DOI： |
| 中文关键词: 房地产证券化 住房抵押贷款 抵押贷款二级市场 |
| 英文关键词: real esta te securitiza tio n ho use mo r tgag e seco ndary mar ket of r eal esta te mor tga ge |
| 基金项目: |
|
| 摘要点击次数: 810 |
| 全文下载次数: 143 |
| 中文摘要: |
| 房地产证券化的发展要求广泛的社会和市场条件,如成熟的房地产市场、证券市场、抵
押贷款一级市场和担保市场。房地产证券化要求一级贷款市场为抵押贷款,而目前我国多采用担
保贷款,如保证贷款、质押贷款等,这些贷款方式将贷款的债权债务关系复杂化,不适宜于建立抵
押贷款二级市场。开展房地产证券化,就要规范、量化抵押房屋,要规范住宅抵押贷款行为,建立可
操作的抵押贷款法规和制度。目前我国还没有推行房地产证券化的社会和法规条件,但可以做一
些预研究或在条件成熟地区(如深圳)做小型试验。 |
| 英文摘要: |
| Real estate securitiza tio n is the secondary mar ket o f rea l esta te mo rtg age. Its a pplicatio n and
dev elopment need the matura tio n of r ea l estate market , securities marke t, mor tgag e mar ke t a nd insura nce
mar ket. In China, these ma rkets a re all in their prima ry stag e, a long w ay to be dev eloped. It is no t the rig ht
time to dev elo p the seco ndar y ma rket of real esta te mo r tg ag e. Fur ther mo re, since China 's banks hav e a larg e
amo unt o f depo sits to lend. It is unreasonable fo r them to finance v ia the seco ndar y mar ket of r ea l estate
mo rtg ag e which incur s further inte rest cost. In g eneral, it is not so necessar y to develo p th e seco ndar y
mar ket of real esta te mo rtg age. |
|
查看全文
查看/发表评论 下载PDF阅读器 |
|
|
|
