On the Securitization of Housing Mortgage Loans

Xiang-guo LI


It is important for the Chinese commercial banks to systematically identify and measure their credit risk concentrations and reduce the detected concentrations through financial innovation. This paper probes the significance and obstacles of housing mortgage loans the securitization and put forward some measures to facilitate the introduction of securitization.
Keywords: Housing mortgage loans, Securitization, Special purpose vehicle (SPV)
Résumé: Il est important pour les banques commerciales chinoises d’identifier systématiquement , de mesurer leur risque de concentration de crédit , de réduire la concentration détectée par l’innovation financière . Ce texte cherche à découvrir la signification et les obstacles d’emprunt-logement , et propose quelques mesures pour faciliter l’introduction de la sécurisation .
Mots-clés: emprunt-logement, sécurisation, véhicule à l’usage spécial

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DOI: http://dx.doi.org/10.3968/j.css.1923669720050101.004


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