商业银行实施房贷证券化适用条件及风险控制

商业银行实施房贷证券化适用条件及风险控制(论文10000字)
    内容摘要：房地产业对保持我国国民经济的快速健康发展、提高广大人民群众的生活水平有重要作用，房地产金融则是促进房地产业加快发展的催化剂。我国近几年住房抵押贷款量迅速增加，对扩大内需、促进房地产业良性循环发挥了积极作用。但住房抵押贷款存在短期性资金长期运用的矛盾，可能对商业银行造成潜在的流动性风险，而且我国房地产信贷潜在的市场极其庞大，长期来看可能存在资金上的不足。国外解决这些矛盾的办法是推行房地产贷款证券化。在建立与社会主义市场经济体制相适应的金融市场体系过程中，房地产贷款证券化必然会成为商业银行发展的一个方向，房地产贷款证券化是完善我国金融制度的必然选择。本文主要介绍了房地产贷款证券化概念、目的、特征，简要阐述了房贷证券化在我国的发展状况，再者本文主要详细阐述了房贷证券化在我国商业银行的应用情况，分为初级阶段和发展阶段两方面进行了介绍，最后本文提出控制房贷证券化风险措施。

    关键词：房地产贷款  证券化  风险管理 

Abstract：Real estate in maintaining rapid and healthy development of China's national economy and improve the living standards of the masses has an important role in real estate finance is to promote the real estate industry to accelerate the development of the catalyst. China in recent years,the rapid increase in housing mortgage loans, the expansion of domestic demand and promote the real estate industry has played a positive role in a virtuous circle.However, there is a short-term mortgage financing long-term use of the contradictions that may pose a potential for commercial banks liquidity risk, and the potential of the real estate credit market is extremely large, long-term funding deficiencies that may exist. Foreign resolve these contradictions would be to introduce real estate loan securitization. In the establishment of the socialist market economic system to adapt to the process of financial market system, is bound to become a real estate loan securitization development of commercial banks in one direction, the real estate loan securitization improve our financial system is an inevitable choice.
This paper describes the mortgage securitization application status in our country, in our country the development of mortgage securitization difficulties and obstacles, China's housing mortgage loan securitization potential risk issues, and finally, combined with relevant literature and the development of the actual situation of mortgage-backed securities, proposed risk management measures proposed.
    Keywords: real estate loans   securitization   risk management  

目  录

一、前言    4
二、房地产贷款证券化概念、目的、特征    4
（一）房地产贷款证券化概念    4
（二）房地产贷款证券化的目的    5
（三）房地产贷款证券化的特征    5
三、我国住房抵押贷款证券化（MBS）的发展状况    6
（一）MBS发展状况    6
（二）商业银行房贷证券化是房地产经济和房地产市场发展的客观要求    7
四、商业银行实施房贷证券化的适用条件    7
（一）商业银行实施住房抵押贷款证券化初期阶段    8
1. 住房抵押贷款证券化运作模式的选择    8
2. 住房抵押贷款证券化模式的实施设计    9
（二）商业银行实施住房抵押贷款证券化规范发展阶段    12
1. 规范发展阶段方案的选择    12
2. 运作程序    12
3. 各参与机构的角色    13
4. 政府的角色定位    13
五、我国房贷证券化风险管理政策建议    14
（一）场健康规范发展一级市场，加强房贷信贷管理    14
（二）合理使用金融衍生产品    14
（三）构建客观科学的信用评级体系    15
参考文献    15