【正文】 地允許養(yǎng)老基金、醫(yī)療基金等社會資金進入資產證券化市場，并在適當情況下允許符合條件的境外投資者投資住房抵押貸款證券。 長春理工大學本科畢業(yè)論文 21 結 束 語 本文基于住房抵押貸款證券化的基本理論，在說 明了 我國 房地產抵押貸款證券化的 發(fā)展現(xiàn)狀 ，認為我國有必要發(fā)展房地產抵押貸款證券化。雖然我國 進行了三次試點 ， 但 尚未成熟，存在二級市場交易量低 、 流動性差 ； 信息披露不夠及時、準確、完整；信用増級方式單一等問題，但鑒于我國目前宏觀經濟低迷且商業(yè)銀行資金面趨緊，我國目前基本具備繼續(xù)推行住房抵押貸款證券化的條件。 通過 美國發(fā)展房地產抵押貸款證券化 的經驗教訓， 我國應采取以下的措施： 一要規(guī)范住房抵押貸款一級市場 ， 逐步擴大證券化市場規(guī)模 ；二要建立、健全住房抵押貸款證券化的法律法規(guī)體系；三要政府成立信用擔保機構；四要建立合理的信用 評級體系，規(guī)范信用評級機構；五要完善資本市場，擴大機構投資者范圍 。 雖然我國住房抵押貸款證券化業(yè)務尚處于起步階段，還存在著許多不足之處，但這一市場的潛力很大，在我國還有很大的發(fā)展空間。對這項浩大而復雜的金融工程，只有立足于我國國情，將理論與實踐的經驗相結合，才能找到適合我國的住房抵押貸款證券化的發(fā)展模式。 長春理工大學本科畢業(yè)論文 22 參考文獻 [1]涂永紅，劉柏榮 .銀行信貸資產證券化 [M].上海：中國金融出版社， 2022. [2]李斐 .房地產證券化發(fā)展的模式選擇 [D].蘭州大學， 2022. [3]仇曉潤 .次貸危機背景下我國住房抵押貸款證券化研究 [D].山西財經大學， 2022. [4]趙艷靜 .我國商業(yè)銀行住房抵押貸款證券化研究 [D].合肥工業(yè)大學， 2022. [5]李婷 .我國住房抵押貸款證券化問題的探討 [D].吉林財經大學， 2022. [6]郭佳 .我國住房抵押貸款證券化研究 [D].首都經濟貿易大學， 2022. [7]莫易嫻 .我國商業(yè)銀行不良資產證券化的實證研究 [J].發(fā)展研究， 2022(2). 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New York: Prentice Hall,2022. 長春理工大學本科畢業(yè)論文 23 致 謝 光陰荏苒，歲月如歌，本科生生活即將結束?；厥走@四年的生活，我覺得自己收獲很多。當然我的進步離不開那些教導過我的老師、幫助我的同學和支持我的家人。對于你們，我充滿了感激之情。 首先我一定要感謝我的導師張偉偉老師，從開始選定論題到最后定稿，張老師都給予了我很大的幫助。在學術研究上，張老師治學嚴謹，是我學習的榜樣 。在生活上，關心學生，讓人感念至深。同時我也要感謝那些教導過、關心過我的老師。 然后我還要感謝幫助過我的同學和支持我的朋友和我的室友，感謝你們的鼓勵和支持。四年來，我們分享彼此的快樂，建立了深厚的友誼，這將是我一生的財富！ 最后需要特別感謝的是我的家人，父母我求學路上的堅強后盾，他們對我的照顧和關愛是我積極向上的動力源泉。 長春理工大學本科畢業(yè)論文 24 為你提供優(yōu)秀的畢業(yè)論文參考資料，請您刪除以下內容， O(∩ _∩ )O 謝謝?。?！ A large group of tea merchants on camels and horses from Northwest China39。s Shaanxi province pass through a stop on the ancient Silk Road, Gansu39。s Zhangye city during their journey to Kazakhstan, May 5, 2022. The caravan, consisting of more than 100 camels, three horsedrawn carriages and four support vehicles, started the trip from Jingyang county in Shaanxi on Sept 19, 2022. It will pass through Gansu province and Xinjiang Uygur autonomous region, and finally arrive in Almaty, formerly known as AlmaAta, the largest city in Kazakhstan, and Dungan in Zhambyl province. The trip will cover about 15,000 kilometers and take the caravan more than one year to plete. The caravan is expected to return to Jingyang in March 2022. Then they will e back, carrying specialty products from Kazakhstan A small art troupe founded six decades ago has grown into a household name in the Inner Mongolia autonomous region. In the 1950s, Ulan Muqir Art Troupe was created by nine young musicians, who toured remote villages on horses and performed traditional Mongolian music and dances for nomadic families. The 54yearold was born in Tongliao, in eastern Inner Mongolia and joined the troupe in says there are 74 branch troupes across Inner Mongolia and actors give around 100 shows every year to local nomadic people. I can still recall the days when I toured with the troupe in the early 39。80s. We sat on the back of pickup trucks for hours. The sky was blue, and we couldn39。t help but sing the folk songs, Nasun says. The vastness of Inner Mongolia and the lack of entertainment options for people living there, made their lives lonely. The nomadic people were very excited about our visits, Nasun recalls. We didn39。t have a formal stage. The audience just sat on the grass. Usually, the performances became a big party with local people joining in. For him, the rewarding part about touring isn39。t just about sharing art with nomadic families but also about gaining inspiration for the music and dance. Ulan Muqir literally translates as red burgeon, and today39。s performers of the troupe still tour the region39。s villages and entertain nomadic families, but their fame has spread around the world. On May 16 and 17, nearly 100 singers and dancers from the troupe performed at Beijing39。s Poly Theater. Their show, titled Ulan Muqir on the Grassland, depicted the history and development of the art troupe. Being from the region allowed me to embrace the culture of Inner Mongolia and being a member of the troupe showed me where I belonged, Nasun, the art troupe39。s president, who is also a renowned tenor, tells China Daily. During a tour in 1985, he went to a village and met an elderly local man, who told him a story about his friendship with a solider from Shenyang, capital of Northeast China39。s Liaoning province, decades ago. The solider gave the old man a handmade saddle when they bid farewell. The story inspired Nasun to write Carved Saddle, a song that later became one of his most popular numbers. Now, every year, Nasun recruits young singers and dancers for the troupe. The troupe has also designed a new repertoire, which is mostly based on the daily lives of Mongolian people, especially the lives of nomadic families, and has bined contemporary musical elements with folk songs of the region. Haimu, a 25yearold khoomei (a local variant of overtone singing) singer, joined the troupe three years ago. Along with a sixm