第一章是住房抵押贷款证券化概述。
The first chapter focuses on the general recapitulation of house mortgage loan securitization.
作为一种金融工具，住房抵押贷款证券化产品是住房抵押贷款证券化过程中重要的载体。
As a tool of finance, the mortgage backed securitization products are the very important carriers for the process of the mortgages securitization.
然而，由于证券化市场的繁荣达到了狂热的地步，流入市场的贷款(尤其是住房抵押贷款)质量下降。
As the boom reached fever pitch, however, the quality of the loans being pooled into securities dived, especially in mortgages.
本部分首先对住房抵押贷款证券化进行了界定，然后分析了其对银行、借款人、投资者的功能，重点是对银行风险的防范和控制。
The section begins with a definition on the MBS and go on to analyze its functions to banks, obligors and investors with focus on the prevention and control of bank' s risks.
扩大抵押贷款一级市场资金来源与提高住房市场有效需求被认为是在我国实行住房抵押贷款证券化的重要依据。
To enlarge the source of capital in fundamental market and to stir the need of housing are regarded as the reasons for adopting MBS.
住房抵押贷款风险的防范和控制是一个系统工程，本文尝试从个人信用征信制度、担保制度、保险制度和住房抵押贷款证券化四个方面进行探讨。
This thesis intends to discuss this problem systematically from the following four aspects: individual credit reporting system, security system, insurance system and mortgage-backed securitization.
住房抵押贷款风险的防范和控制是一个系统工程，本文尝试从个人信用征信制度、担保制度、保险制度和住房抵押贷款证券化四个方面进行探讨。
This thesis intends to discuss this problem systematically from the following four aspects: individual credit reporting system, security system, insurance system and mortgage-backed securitization.
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