断供潮背景下我国商业银行住房抵押贷款证券化风险防控探究
An Exploration of Risk Prevention and Control in Housing Mortgage Loan Securitization by Commercial Banks in China Amidst a Mortgage Default Wave

近年来我国经济越来越快地与世界经济接轨，在信贷证券化上有了很大进展。在过去的十几年里，随着房价的持续上涨，住房抵押贷款证券化在我国得到了迅速的发展，但同时也带来了大量的金融风险。本文在“断供潮”的背景下，结合我国商业银行住房抵押贷款证券化的发展现状，对住房抵押贷款证券化产生的风险进行分析，找到其中的主要问题，并针对问题提出若干对策建议。这不仅对我国住房抵押贷款证券化的风险进行了深入研究，还能对促进我国住房抵押贷款证券化的健康发展作出微小贡献。
In recent years, China’s economy has been rapidly integrating with the global economy, achieving significant progress in credit securitization. Over the past decade or so, with the continuous rise in housing prices, mortgage loan securitization has seen rapid development in China. However, this has also brought about a multitude of financial risks. Against the backdrop of a “mortgage default wave”, this paper analyzes the risks associated with the securitization of housing mortgage loans in Chinese commercial banks, considering the current state of development. It identifies the main issues and proposes several strategic recommendations. This research not only provides an in-depth study of the risks in China’s housing mortgage loan securitization but also contributes to its healthy development.