On China's Housing Mortgage Loans And Mortgage Loan Securitization,

First of all, this essay talks about the first-class market of housing mortgage loan. The first tlass market -rakes risk-resistance as the thread on which basis the author illustrates how the inventive process of mortgage loan forms the first gate of risk-resistance, analyze and compare different risk distributions between loan partners among various loan patterns. Then the essay brings deep discussion about the sub-class market, especially the appearance and development of mortgage securitization. Through the comparison between several mortgage loan securities, we find that the development of mortgage securitization is more a financial innovation than a risk resistance. Finally the author puts forward an improvement proposal according to the current situation and main problems of mortgage loan market and raises suggestions on how to carry out securitization of mortgage loan .In addition, the participation of insurance and guarantee system also accounts for special significance for mortgage loan market against systematic risk, hoping it can contribute to the development of domestic housing market. In a word, through the discussion of housing mortgage loan and its securitization, this essay aims to illustrate the idea: oster and develop Housing Mortgage Loan market can not only increase the efficient wants of housing, but also have deep significance to the healthy and continuous development of our domestic housing industry.