摘要
随着住房产业作为国民支柱产业的确立以及货币分房政策的实施 ,住房抵押贷款将成为全社会最主要的住房消费方式。随着住房贷款市场规模的日益增长 ,不仅给银行带来了越来越大的信贷压力和资金供需矛盾 ,也因“短存长贷”引致的资产负债不匹配程度加重而加重银行的资产流动性风险 ,就可能构成金融危机的隐患。
With the implementation of the new housing policy, housing industry is now treated as the mainstay of the national economy and mortgage bond becomes the main stream of consumption in China. With the expanding of the loan market of buying house, banks are facing more and more severe credit pressure and they cannot keep the financing balance of saving and loan, which will break the balance between supply and demand if no new fund can be replenished. At the same time, the imbalance asset debt caused by 'short save long loan' will become more serious, which will increases the fluidity risk of the banks and probably become a hidden financial crisis. The author thinks that transforming mortgage bond into securities is a useful way to alleviate the present contradiction.
出处
《武汉大学学报（哲学社会科学版）》
北大核心
2002年第3期300-304,共5页
Wuhan University Journal：Philosophy & Social Science
