CAJ | 학술논문

随着金融创新活动的深化和金融业务的细分,特别是住房抵押贷款证券化的大力推广,信息不对称的问题日益严重,经过反复、层层包装上市的抵押资产证券,由于信用和金融衍生链条的延长,潜在的风险越来越难以觉察.风险的累积未能引起监管主体的重视,诸如次级债危机一类的金融恐慌就在所难免.基于银行资产的安全性保障和抵押贷款风险分散的考虑,在资产证券化中引入西方国家所实行的保险机制.本文主要探讨住房抵押担保及其保险机制.
수착금융창신활동적심화화금융업무적세분,특별시주방저압대관증권화적대력추엄,신식불대칭적문제일익엄중,경과반복、층층포장상시적저압자산증권,유우신용화금융연생련조적연장,잠재적풍험월래월난이각찰.풍험적루적미능인기감관주체적중시,제여차급채위궤일류적금융공황취재소난면.기우은행자산적안전성보장화저압대관풍험분산적고필,재자산증권화중인입서방국가소실행적보험궤제.본문주요탐토주방저압담보급기보험궤제.
with the deepening of financial innovation activity and financial segment of the business, especial y in promoting housing mortgage loan securitization, the growing problem of asymmetric information, after repeated, layers of mortgage assets securities listed on the packing, due to the extension of credit and financial derivatives chain, more and more dif icult to aware of the potential risks. The accumulation of risk failed to cause the at ention of regulatory agencies, such as the sub prime mortgage crisis of the financial panic is unavoidable. Based on bank assets security guarantee and mortgage risk dispersion, is the asset securitization of insurance mechanism introduced in western countries. This paper mainly discusses the housing mortgage guarantee and insurance system.