【正文】 地允許養(yǎng)老基金、醫(yī)療基金等社會(huì)資金進(jìn)入資產(chǎn)證券化市場(chǎng)，并在適當(dāng)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(zhǎng)春理工大學(xué)本科畢業(yè)論文 21 結(jié) 束 語(yǔ) 本文基于住房抵押貸款證券化的基本理論，在說(shuō) 明了 我國(guó) 房地產(chǎn)抵押貸款證券化的 發(fā)展現(xiàn)狀 ，認(rèn)為我國(guó)有必要發(fā)展房地產(chǎn)抵押貸款證券化。雖然我國(guó) 進(jìn)行了三次試點(diǎn) ， 但 尚未成熟，存在二級(jí)市場(chǎng)交易量低 、 流動(dòng)性差 ； 信息披露不夠及時(shí)、準(zhǔn)確、完整；信用増級(jí)方式單一等問(wèn)題，但鑒于我國(guó)目前宏觀經(jīng)濟(jì)低迷且商業(yè)銀行資金面趨緊，我國(guó)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(guò) 美國(guó)發(fā)展房地產(chǎn)抵押貸款證券化 的經(jīng)驗(yàn)教訓(xùn)， 我國(guó)應(yīng)采取以下的措施： 一要規(guī)范住房抵押貸款一級(jí)市場(chǎng) ， 逐步擴(kuò)大證券化市場(chǎng)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(dān)保機(jī)構(gòu)；四要建立合理的信用 評(píng)級(jí)體系，規(guī)范信用評(píng)級(jí)機(jī)構(gòu)；五要完善資本市場(chǎng)，擴(kuò)大機(jī)構(gòu)投資者范圍 。 雖然我國(guó)住房抵押貸款證券化業(yè)務(wù)尚處于起步階段，還存在著許多不足之處，但這一市場(chǎng)的潛力很大，在我國(guó)還有很大的發(fā)展空間。對(duì)這項(xiàng)浩大而復(fù)雜的金融工程，只有立足于我國(guó)國(guó)情，將理論與實(shí)踐的經(jīng)驗(yàn)相結(jié)合，才能找到適合我國(guó)的住房抵押貸款證券化的發(fā)展模式。 長(zhǎng)春理工大學(xué)本科畢業(yè)論文 22 參考文獻(xiàn) [1]涂永紅，劉柏榮 .銀行信貸資產(chǎn)證券化 [M].上海：中國(guó)金融出版社， 2022. 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New York: Prentice Hall,2022. 長(zhǎng)春理工大學(xué)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(jié)束?；厥走@四年的生活，我覺(jué)得自己收獲很多。當(dāng)然我的進(jìn)步離不開(kāi)那些教導(dǎo)過(guò)我的老師、幫助我的同學(xué)和支持我的家人。對(duì)于你們，我充滿了感激之情。 首先我一定要感謝我的導(dǎo)師張偉偉老師，從開(kāi)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(xué)術(shù)研究上，張老師治學(xué)嚴(yán)謹(jǐn)，是我學(xué)習(xí)的榜樣 。在生活上，關(guān)心學(xué)生，讓人感念至深。同時(shí)我也要感謝那些教導(dǎo)過(guò)、關(guān)心過(guò)我的老師。 然后我還要感謝幫助過(guò)我的同學(xué)和支持我的朋友和我的室友，感謝你們的鼓勵(lì)和支持。四年來(lái)，我們分享彼此的快樂(lè)，建立了深厚的友誼，這將是我一生的財(cái)富！ 最后需要特別感謝的是我的家人，父母我求學(xué)路上的堅(jiān)強(qiáng)后盾，他們對(duì)我的照顧和關(guān)愛(ài)是我積極向上的動(dòng)力源泉。 長(zhǎng)春理工大學(xué)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(qǐng)您刪除以下內(nèi)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