| 中国住房抵押贷款证券化研究 |
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| 引用本文： | 吴海峰.中国住房抵押贷款证券化研究[J].南京农业大学学报(社会科学版),2003,3(2):56-62. |
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| 作者姓名： | 吴海峰 |
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| 作者单位： | 南京农业大学,经济与贸易学院,江苏,南京,210095 |
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| 摘 要： | 资产证券化 (ABS)是金融创新浪潮中新崛起的一种主流融资技术 ,是近年来世界金融领域最重大和发展最快的金融创新工具。本文首先讨论了住房抵押贷款证券化的理论基础 ,及其对资本结构理论的挑战 ,然后对银行抵押贷款证券化的收益与风险进行了分析。在此基础上 ,结合中国实际 ,探讨了我国住房抵押贷款证券化的基本思路和操作框架。
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| 关 键 词： | 资产证券化 住房抵押贷款证券化 风险 收益 |
| 文章编号： | 1671-7465(2003)02-0056-07 |
| 修稿时间： | 2003年5月9日 |
Towards the securitization of housing mortgage in China |
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| WU Hai-feng.Towards the securitization of housing mortgage in China[J].Journal of Nanjing Agricultural University(Social Science Edition),2003,3(2):56-62. |
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| Authors: | WU Hai-feng |
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| Abstract: | The securitization of the assets (ABS) is a kind of major financing technology emerging in the innovative tide of the finance. The theoretical principles underlying the securitization of housing mortgage and their challenges to the capital structure theories are discussed, and SHM's benefits and risks analyzed. The basic approach and operation framework for SHM in China are suggested. |
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| Keywords: | securitization of the assets securitization of mortgage risk benefit |
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