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住房抵押贷款证券化是指银行等金融机构将其所持有的个人住房贷款债权，转让给一家特别机构，该机构通过一定的形式（包括保险、公证等）打包成信用等级较高的证券后，在资本市场上销售给投资者，投资者从收到的货币流量和有关利息中获利的行为。这一过程实质上是将银行的贷款
Mortgage-backed securitization refers to the transfer by banks and other financial institutions of claims on personal home loans held by them to a special institution that, after it has been packaged into securities with a higher credit rating by some means (including insurance, notarization, etc.) , Sales to investors in capital markets, investors’ profit from the money flows received and related interest. This process is essentially a bank loan