哈尔滨市住房抵押贷款证券化浅析-毕业论文讲课教案.docVIP

哈尔滨市住房抵押贷款证券化浅析-毕业论文 毕业论文（设计） 　　　　　　毕业论文 哈尔滨房屋抵押 　　　　　　题　　目 贷款证券化浅析 　　　　　　指导教师 　　　　　　学生姓名 二O一四 年 五 月 十六 日 哈尔滨市住房抵押贷款证券化浅析 摘 要 当代经济迅猛发展，作为金融中重要的组成创新：住房抵押贷款证券化就是其中之一，其从出现之初，就以非常快的速度在世界范围发展，成为当代时间经济领域成长最迅速、最为活跃与接受的金融产物。住房抵押贷款证券化是把在同一时期，同一期限、同一利率和其他特质的住房抵押贷款聚合起来构成财产组合，把这个财产组合将来的现金流作为担保发行债券、完成资金融通的操作。其实质是将资本市场资金引入住房抵押贷款市场。从哈尔滨市的现状来看，房地产市场潜力非常大。对于扩展居民对房屋的需求，培养房屋经济市场，住房经济业务的成长和完善，必须通过经济创新和改造实现，而证券化这一途径则是解决种种阻碍的最理想的金融工具。随着环境的改善和抵押贷款的不断发展，哈尔滨的住房抵押贷款证券化的实施是势在必行的。本文阐述了哈尔滨市住房抵押贷款证券化的相关理论，在这基础之上，分析了哈尔滨市住房抵押贷款证券化存在的问题，如：市场发育不成熟、担保存在障碍、中介机构服务不完善、会计税务制度不健全等，最后作者提出完善哈尔滨市住房抵押贷款证券化的具体策略。 关键词：哈尔滨市；住房抵押贷款；房屋证券化 Analysis of Harbin City the housing mortgage loan securitization Abstract Contemporary economic rapid development, as an important component in innovation in financial securitization of housing mortgage loan is one of them, from the beginning of the fast development in the world, become the fastest-growing economy time, the most active and accept financial product. Is put in the same period, at the same time, the same interest rate and other characteristics of housing mortgage loan together constitute property combinations, the combination property of the future cash flow as collateral to issue bonds, to complete the operation of the financing. The essence of which is introducing capital market capital of housing mortgage market. From the present situation of Harbin city, the real estate market potential is very great. Extend residents demand for housing, Mr Sample housing finance market, housing and improve the growth of economic business, is achieved by economic innovation and transformation, securitization, however, that this approach is to solve a variety of obstacles to the ideal financial instruments. Therefore, with the improvement of the environment and the continuous development of mortgage, the implementation of the securitization of housing mortgage loan in Harbin is imperative. This article elaborated the securitization of