A市住房公积金信贷资产证券化研究

发布时间：2018-04-03 16:52

本文选题：住房公积金　切入点：信贷资产证券化　出处：《华侨大学》2017年硕士论文

【摘要】：住房事关民生,也是维护社会和谐发展的重要内容。房价的不稳定波动一方面会影响国民经济的健康发展,另一方面会对居民的生活造成严重的不利影响。面对快速上涨的房价,2016年两会以来,稳定住房消费价格已成为房地产政策的主基调。在这样的背景下,住房公积金成为落实稳定住房消费政策的重要手段之一。开展住房公积金信贷资产证券化,一方面有利于促进住房公积金管理机构的融资发展,另一方面有利于提高资金的流动性,为满足居民日益增长的住房信贷需求创造条件。此外,欧美国家的实践还表明,采用住房公积金信贷资产证券化的发展模式,还能够降低银行、公积金管理中心的金融风险,从而提高住房信贷资产的整体安全性。住房公积金信贷资产证券化的发展具有现实的金融促进意义与民生意义。因此,对其进行研究引起了研究者的关注。本文通过六个部分综合阐述了住房公积金信贷资产证券化的机制,并借鉴国内外信贷资产证券化经验,为A市住房公积金信贷资产证券化提供了相应的政策建议。文章的第一部分为绪论部分,该部分交代了文章写作的背景、意义、目的以及研究方法,并对文章中涉及到的相关文献进行了综合阐述。通过对国内外文献分析可知,当前有关于银行不良金融资产证券化的研究较多,且形成了一定的理论体系,这对于指导银行不良金融资产证券化起到了促进作用,但是,有关于住房公积金信贷资产证券化的研究则相对较少。因此,基于住房公积金信贷资产的证券化问题的研究存在一定的必要性。文章的第二部分为理论阐述部分,该部分对文章中所涉及的理论进行了综合阐述。第三部分对A市开展住房公积金信贷资产证券化的必要性、可行性进行了阐述,同时对住房公积金信贷资产证券化的风险和收益进行了说明,并在此基础上,对住房公积金信贷资产证券化过程中的问题和障碍进行了阐述。第四部分对国内外信贷资产证券化的经验进行总结,并探究A市住房公积金信贷资产证券化的模式。第五部分在前四章的基础上,提出A市发展住房公积金信贷资产证券化的相关政策建议。第六部分对论文进行总结,提出不足之处和未来进一步研究的方向。
[Abstract]:Housing is related to the livelihood of the people, but also to maintain the harmonious development of the important content.The unstable fluctuation of house prices will affect the healthy development of the national economy on the one hand, and will have a serious adverse impact on the life of the residents on the other hand.In the face of rapidly rising house prices, stabilizing consumer housing prices has become the main tenet of real estate policy since the two sessions in 2016.Under this background, the housing accumulation fund becomes one of the important means to implement the stable housing consumption policy.On the one hand, the securitization of credit assets of housing provident fund will help to promote the financing development of housing provident fund management organization, on the other hand, it will help to improve the liquidity of funds and create conditions for meeting the increasing housing credit demand of residents.In addition, the practice in Europe and America also shows that adopting the development mode of securitization of credit assets of housing provident fund can reduce the financial risk of banks and management centers of accumulation fund, and thus improve the overall security of housing credit assets.The development of the housing accumulation fund credit asset securitization has the realistic financial promotion significance and the people's livelihood significance.Therefore, the research on it has attracted the attention of researchers.This paper expounds the mechanism of credit asset securitization of housing provident fund through six parts, and draws lessons from the experience of credit asset securitization at home and abroad, and provides corresponding policy suggestions for the securitization of credit assets of housing provident fund in A city.The first part of the article is the introduction part, which describes the background, significance, purpose and research methods of the article, and gives a comprehensive description of the related literature.Through the analysis of the literature at home and abroad, we can see that there are many researches on the securitization of non-performing financial assets of banks at present, and a certain theoretical system has been formed, which has played a promoting role in guiding the securitization of non-performing financial assets of banks, but,There are relatively few studies on the securitization of credit assets of housing accumulation fund.Therefore, it is necessary to study the securitization of credit assets based on housing accumulation fund.The second part of the article is the theoretical elaboration part, this part has carried on the comprehensive elaboration to the theory involved in the article.The third part expounds the necessity and feasibility of securitization of credit assets of housing provident fund in A city. At the same time, it explains the risks and benefits of securitization of credit assets of housing provident fund, and on this basis,This paper expounds the problems and obstacles in the process of securitization of credit assets of housing accumulation fund.The fourth part summarizes the experience of credit asset securitization at home and abroad, and probes into the model of credit asset securitization of housing accumulation fund in A city.On the basis of the first four chapters, the fifth part puts forward some policy suggestions on the development of credit asset securitization of housing accumulation fund in A city.The sixth part summarizes the thesis, puts forward the deficiency and the direction of further research in the future.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832.479;F832.51

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