本文選題：住房公積金　切入點(diǎn)：信貸資產(chǎn)證券化　出處：《華僑大學(xué)》2017年碩士論文

【摘要】：住房事關(guān)民生,也是維護(hù)社會和諧發(fā)展的重要內(nèi)容。房價的不穩(wěn)定波動一方面會影響國民經(jīng)濟(jì)的健康發(fā)展,另一方面會對居民的生活造成嚴(yán)重的不利影響。面對快速上漲的房價,2016年兩會以來,穩(wěn)定住房消費(fèi)價格已成為房地產(chǎn)政策的主基調(diào)。在這樣的背景下,住房公積金成為落實(shí)穩(wěn)定住房消費(fèi)政策的重要手段之一。開展住房公積金信貸資產(chǎn)證券化,一方面有利于促進(jìn)住房公積金管理機(jī)構(gòu)的融資發(fā)展,另一方面有利于提高資金的流動性,為滿足居民日益增長的住房信貸需求創(chuàng)造條件。此外,歐美國家的實(shí)踐還表明,采用住房公積金信貸資產(chǎn)證券化的發(fā)展模式,還能夠降低銀行、公積金管理中心的金融風(fēng)險,從而提高住房信貸資產(chǎn)的整體安全性。住房公積金信貸資產(chǎn)證券化的發(fā)展具有現(xiàn)實(shí)的金融促進(jìn)意義與民生意義。因此,對其進(jìn)行研究引起了研究者的關(guān)注。本文通過六個部分綜合闡述了住房公積金信貸資產(chǎn)證券化的機(jī)制,并借鑒國內(nèi)外信貸資產(chǎn)證券化經(jīng)驗(yàn),為A市住房公積金信貸資產(chǎn)證券化提供了相應(yīng)的政策建議。文章的第一部分為緒論部分,該部分交代了文章寫作的背景、意義、目的以及研究方法,并對文章中涉及到的相關(guān)文獻(xiàn)進(jìn)行了綜合闡述。通過對國內(nèi)外文獻(xiàn)分析可知,當(dāng)前有關(guān)于銀行不良金融資產(chǎn)證券化的研究較多,且形成了一定的理論體系,這對于指導(dǎo)銀行不良金融資產(chǎn)證券化起到了促進(jìn)作用,但是,有關(guān)于住房公積金信貸資產(chǎn)證券化的研究則相對較少。因此,基于住房公積金信貸資產(chǎn)的證券化問題的研究存在一定的必要性。文章的第二部分為理論闡述部分,該部分對文章中所涉及的理論進(jìn)行了綜合闡述。第三部分對A市開展住房公積金信貸資產(chǎn)證券化的必要性、可行性進(jìn)行了闡述,同時對住房公積金信貸資產(chǎn)證券化的風(fēng)險和收益進(jìn)行了說明,并在此基礎(chǔ)上,對住房公積金信貸資產(chǎn)證券化過程中的問題和障礙進(jìn)行了闡述。第四部分對國內(nèi)外信貸資產(chǎn)證券化的經(jīng)驗(yàn)進(jìn)行總結(jié),并探究A市住房公積金信貸資產(chǎn)證券化的模式。第五部分在前四章的基礎(chǔ)上,提出A市發(fā)展住房公積金信貸資產(chǎn)證券化的相關(guān)政策建議。第六部分對論文進(jìn)行總結(jié),提出不足之處和未來進(jìn)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.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F299.23;F832.479;F832.51

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