一、住房抵押贷款的历史回顾1.国外住房抵押贷款证券化的渊源。美国金融界引入资产证券化是为了解决经济大危机后低收入者的住房资金短缺问题。1934年美国政府为活跃和发展住房金融,制定了《全国住房管理条例》,并成立了联邦住房贷款银行(FHLB)、联邦住房管理局(FHA)、联邦国民 First, the history of home mortgage loans review 1. The origins of foreign housing mortgage loans securitization. The introduction of asset securitization by the U.S. financial community is aimed at solving the problem of housing shortage for low-income earners after the economic crisis. In 1934, the United States government enacted the National Housing Regulation for the purpose of activating and developing housing finance and established the Federal Home Loan Bank (FHLB), the Federal Housing Administration (FHA), the Federal National