我國房貸證券化法律制度論析.pdf

1、湖南大學碩士學位論文我國房貸證券化法律制度論析姓名：夏鷗申請學位級別：碩士專業(yè)：經濟法指導教師：劉士平20080420耋里窒絲蘭莖些鎏!!型些篁塹AbstractTher00mmoftgagelOansecuritiza“on，mosta3earlyasappearedinthe1970s‘sUS，andafterwardrapidlyexpandedinvariouscount“esThisisIhefinancialinnovati

2、onachievement，whichalsodevelopsa10ngwiththeunceasingresearchAlongwithourcountryhousingcreditquotagrowIh，thisinternationallyquitegeneralhousingfinanceinnoVationpattern，alsobeginsinourcounIrytostudyandtocarryOnthepolicydes

3、ignThelegalregjmeholdsthedecisiVestatusintheroomloansecuritizationmovement。OurcountryrOOmloansecuritizationalsohassomcinstjtutionalbarrierswhichatpresentwaitforrem。VingTheroomloansecuritizationlegalre百meresearch，isstudye

4、ditslegalprjncipletheoTyoflawfromthelegalslratificationplaneteston：thesystemdesigna玎dtheconsummationcountermeasure，topromoteourcountryroomloansecuritizationlawenVironmcntconsummationtoproVjdethetheoryinstruction，proVides

5、theprac￡icereferenceforourcountryroomloansecu“tjzationofpracticeoperationItutjlizesthematerialjsticdialectjcs，thelegalanalyticmethodaⅡdinthetheoryandactualunifiesoffoundationelaboratesourcountryr00mloaⅡsecu““zatlonlegalr

6、egime’spresentsitua“onandthetheorya矗dthepracticeIthasoutlinedtheresearchbackgroundandthesignificance，thedomesticandforeignresearchpresentsituation，thcreseafchmentalityandthemethod；Ithasanaiyzedgeneraloperationprocessofth

7、eroomloansecuritization，thefinancialbehaviorwayiniegalbasis，thepar“cjpationmainbodyinlegalstatus，theinteractiVeprocedureandtheinsIitutionalafrangementsiⅡlegalprincipletheoryoflawfoundatjonffomthelegalstratificationplane；

8、Especiallyfromthelegalstratificationplaneofselectiveanalysjsistoomloansecu“tizationmechanjsm，itispropOsedthatthreeimportantlegalprincjpletheOriesoflaware“theriskmechanism”，“thefinanciⅡgmechanism”and“theorganizationmechan

9、ism”Incarryingonourcountryroom10ansecu“tizationoflegalregimetoexistencebaf“ercombsandinthereasonanalysisfoundation，itpropOses0urcountryroOmloansecuritjzationperfectcountermeasureItispfoposedthatfjveprinciplesarepatternch

10、oice，perfectinglegislationcontent，thewidelylegalfield，thecoordinatedunification，p“nciplerefinement，fillnaw，andenhaⅡcementpotencyAndthenwithle舀slationmechanismimproVementoftheroomloansecuritizationinourcountry，itispropose