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对我国住房抵押贷款证券化的几个金融监管问题进行探讨,认为我国必须尽快建立和完善证券化中的机构监管制度、加快利率市场化进程、循序渐进地推进从“分业经营”向“混业经营”的转换、逐步放松机构投资者对MBS证券投资的限制、进一步改革证券交易结构模式,从而在确保金融安全前提下,为住房抵押贷款证券化提供良好的发展环境。
This paper discusses several financial supervision issues of China’s housing mortgage loan securitization. It thinks that our country must establish and improve institutional supervision system in securitization as soon as possible to speed up the marketization of interest rates and step by step promote the transition from “separate operation” to “mixed operation Operation ”, and gradually relax institutional investors’ restrictions on MBS investment, further reforming the structure of securities trading so as to provide a good environment for the development of MBS under the precondition of ensuring financial security.