Environment And Mode Research Of Mortgage-Backed Securitization Of Commercial Bank

Estate industry is important to accelerate the healthy development of national economical and improve people's living standard. Estate industry finance is the catalyzer to the development of estate industry. In recent years, the rapid increasing of Mortgage-Backed Securities (MBS) has effected lively to expand domestic demand and accelerate estate industry positive circulate. But the contradiction of MBS between short—term treasury and long—term utilization maybe bring some potential risk to commercial bank. There is a very big potential market of housing loans in our country, perhaps existing in lack of the fund. It is the method to figure out these contradictions that implementing MBS. In the course of establishing money market system that adapt to socialistic market economy system, MBS must be a aspect deepening finance and MBS is necessary choose that consummate finance system. This article studies operational mechanism of MBS. Though discussing and arguing about development skeleton of MBS, conclude use of reference and inspiration to us with MBS in other countries. Aiming at mostly obstacle and risk of implement MBS, put forward think, approach and process along with correlative suggestion that implementing MBS in our country. This article has 6chapters. Chapter I is prolegomena. From this chapter , we can know the background of MBS research and the framing purpose and characters of this monograph; Chapter II briefly analyze the concept, summarize the origin and the development course of MBS, expound the purport of MBS in current condition of our country; and risk to implement MBS in China; Chapter III expatiate on some basic theoretics; Chapter V analyze the environment of MBS. By using SWOT analysis method expound the strengths and weakness of the environment; Chapter IV concrete assume about carrying out MBS in China, the base operate...