| By comparing the three international housing finance model: housing mortgage of American, housing deposit bank system of German and center housing fund system of Singapore, this paper abstract the common characteristics. Basing on the our country's specific condition, this paper put forward the direction and function model we should choose and how to improve the function model. By analyzing the developing process and status quo of housing finance of our country, this paper draw the conclusion: we should mainly take commercial direction in housing finance. By analyzing the status quo of housing mortgage and policy housing finance, this paper bring forward that housing mortgage and housing deposit bank should be the two dominant function model in our country. By analyzing the enforcing condition of housing mortgage securitization, this paper put forward the way of setting SPV and the specific instrument we should choose in housing mortgage securitization.. By analyzing the disadvantage of policy housing finance and housing fund in our country, this paper put forward the specific improvement in enforcing housing deposit bank. |
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