我國住房抵押貸款證券化有關(guān)法律問題研究.pdf

1、我國住房抵押貸款證券化有關(guān)法律問題研究作者：尹楨指導(dǎo)老師：彭熙海副教授系別：法學(xué)院專業(yè)研究方|臺J論文評閱人答辯委員會主席申請學(xué)位級別學(xué)位授予單位法律碩士墾墮螢迭生塑一塑婆蠢堂淪文提交日期：二OO四年十月AbstractSecuritizationofhousingmortgageloanistheprocessinwhichCommercialbanksellhishousingmortgageloanwhichlacksofflui

2、dneSSbuthasstablecashflowinthefuturetoSpecialPurposeVehiclefSPV)，andthisvehiclewillcarryoutcertainstructuralarrangementandincreaseofcredibilityontheassignedmortgageloan，thentransferittothefluidsecuritiesguaranteedbyhousi

3、ngmortgageandsellthemt0investorsofsecuritiesItoriginatedfromtheUSAinthe1970s，anditiStheearliestdevelopingandthemostdevelopedOne王nassetsecuritizationfieldItsoutstandingefficaciesembodiedinstrengtheningassets’fluidnessenla

4、rgingchannelsoffinancingandinvestmentsanddispersingrisksarebeneficialtosolvingsuchrealisticproblemswidelyexistedincommercialbanksofourcountryasbadassets’fluidness，Unityoffinancingchannels，centralizationofassetriskandlowa

5、ssetSufficiencyrateWhilehousingmortgageloanhasassetscaleandgoodquality，whichsuits的bethepointoftangencyintoassetsecuritizafionof0111“countryItdependsonaseriesofcompactrelativecontractua1arrangementstoconstructmanysubjects

6、’rightsandobligationsinbasiclegalrelationshipsandsubsidiarylegalrelationships；therefore，itisnotonlyaneconomiccourse，butalsoatomp】icatedlegalprocessByexpoundingthelegaldoctrineofassetsecuritizationandthecomplicatedlegalre

7、lationshipsamongthem，withthehelpofthecomparativeresearchOntherelatedlegalsystemsinourcountryandothercountrieswithmatureassetsecuritizationintheworld，thisdissertationdiscussestheiurisprudentialfoundationsandrealisticsigni