论我国的住房融资工具的创新.pdf

述了我国住房融资工具创薪的模式均造，提出了我国羚展住房融资工具的剑叛应从 住房抵押贷款品种的刨新、住房赫金的创新、往房抵押贷款证券化创新，以及资本 赘场矗绥敲资工具豹创薪等方面遂行有益酌尝试。 第五章，住房融资工具创新的外部环境。这～章为燕四章中创新模式褥以正常运 行专门阐述了宏观环境中的法制、国家政策、税制的相关环境，并在各环节中提出 了可行赞黯繁建议。 ABSTRACT financia becomethefocusinmarket．directed JInstruments has Housing mFI)reform countriesandsome countriesunderthe offinancial economy developing background occur 矗eedomandfinancialinnovationsincel980’s．NewfinanciaIinstruments usually in kindsofinstrumentscombinated not creditmarketbutalsoin market．A|I only capital andmatchedthatfurtheredthe of inthesecountries．Under industry developmenthousing theinternationalenvironmentofthe financiaIinstruments housing jnnovation(HFII)， financial indirectfinanciaIinstruments．Direet inour arealmost however,HFI country of our in onaccounttheimmaturemarket．In instrumentsare the beginningstage capital and faIlinthehellof 1ack countrV．reaIestate consumers capital companies usually in tothe ofHFI．The ofHFlour pressingly owning lagging actuality countryrequests innovation． thehistoricaJ