Analysis of Necessity and Feasibility About Securitization of the Real Estate Mortgage in China

Abstract

With the high-speed development of the real estate of our country and single financing tool of our commercial banks, the loan balance of house mortgage of commercial banks in our country is become higher and higher, which brings enormous pressure to the commercial banks and in the long run, this single financing tool of our commercial banks will do harm to the fast improvement of the real estate of our country. So actively propelling the securitization of the real estate mortgage can effectively decentralize the banks finance risk and also can do favor for the improvement of the real estate industry. So this article tries to analyse the necessity and feasibility of implement of the seeuritization of the real estate mortgage in our country and relative suggestions.