Agricultural Bank Of China Housing Mortgage Loans Securitization Explore

Asset-Backed Securitization is one of the most important financial innovations inthe international finance field in recent several decades. Asset-backed securitizationoriginates from mortgage-backed securitization and mortgage based securities is the mostimportant of securities. Based on the development of the foreign countries,mortgage-backed securitization is the general tendency of housing finance.The housingmortgage loan is growing very fast and the future of the loan market is indubitable inAgriculture bank of China. But the banking a lone can not deal with the problems thatarose in the development of the primary mortgage market. So the urgent affairs now areto research how to carry out mortgage-backed securitization in Chinese commercialbanks.The housing mortgage loan of Agriculture Bank of China grows rapidly, without adoubt, the development of housing mortgage loan market has great potential. Against thebackground of the low capital sufficiency and the mismatch of assets-liabilities, how theAgriculture Bank of China adjusts itself while facing the reform? Therefore, studyinghousing mortgage securitization has great significance. This article divides into sixchapters, the first chapter mainly introduced the background of paper research. Thesecond chapter mainly introduced the basic theory and the meaning of housing mortgagesecuritization. In this chapter, the SPV and the credit increase is the key. The thirdchapter introduced present situation of housing in our country, expounded thesignificance of housing mortgage securitization, and opened out the feasibility of theAgriculture Bank of China to choose the housing mortgage securitization. The fourthchapter analyzed the necessity of Mortgage-backed securitization from the analysis of thebenefit of Agriculture Bank of China. The fifth chapter analyzed some barrier factors ofMortgage-backed securitization in the Agriculture Bank of China. The sixth put torwardsome corresponding proposal and countermeasure against the barrier of Mortgage-backedsecuritization.