Thinking, Of The Laws Of The Real Estate Securitization Of Credit Assets

The real estate letter loan property stock certificate's turning is a financial realm to develop quick financial tool currently, real estate letter loan property the stock certificate turn is to the housing collateral loan bond carry on to dismantle a cent, integration combine sale of process. This text mainly passes to believe a loan property a stock certificate to turn the analysis of meaning and characteristic to the real estate, turning an explicit concept of giving to the loan year stock certificate of the real estate letter; Pass to asunder the lawmaking type is national and unify a lawmaking type, the nation believes a loan property a stock certificate to turn the introduction that the law of aspect rules in the real estate, inquirying into our country real estate letter loan property the stock certificate turn of lawmaking style;Pass the introduction of the development present condition which turns to the our country real estate letter loan property stock certificate, definitely currently our country promote the real estate letter loan property a stock certificate to turn of the possibility and the necessity;Pass the introduction of the non- law risk and law risk which believes a loan property a stock certificate to turn to the real estate, analyze an our country currently the real estate letter loan property stock certificate to turn law risk of law apply and existence.Housing mortage loan,which is one of the most mature kinds of Securitization in America,develops well in China and is qualified to be securitized.However housing mortgage is of credible asset in commericial banks so commerical banks has no enough motive to securitize housing mortgage loan. But the author thinks housing mortgage is the best choice to be sucuritized after analyzing the market and legal conditions of Securitization of housing mortgage loan for the reason that the rate of breaching of faith is low and the investors have more confidence and what is more,the relative governments support Securitization of housing mortgage loan.But the problem of how to organize the special purpose vehicle has not been efficiently resolved as that of Securitization of Nonperforming assets.That is the greatest obstacle to the development of Securitization of housing mortgage loan nowadays.So the author suggests todesign of Securitization of housing mortage by special legislation.This text is totally divided into four parts.The first part believes a loan property a stock certificate to turn for the real estate of meaning and characteristic, the second part turns for the oversea real estate stock certificate of the establishment of[with] the introduction and our country lawmaking style of the lawmaking style, the third part for our country promote the real estate letter loan property a stock certificate to turn of possibility and necessity, four-part is for our country the real estate believe a loan property a stock certificate to turn of the law apply and the system build up.