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背景资料：住房抵押贷款证券化是指金融机构（主要是商业银行）把自己所持有的流动性较差，但具有未来现金收入流的住房抵押贷款汇集、重组为抵押贷款群组，由证券化机构似现金方式购入，经过担保或信用增级后以证券的形式出售给投资者的、缺乏流动性但能够产生可预见性现金收
Background information: Mortgage-backed securitization refers to the pooling of mortgage-backed mortgages held by financial institutions (mainly commercial banks) with liquidity they hold but with future cash flow and reorganized into mortgage loan groups. Securities backed by securities Institutional purchase of cash, after secured or credit enhancement in the form of securities sold to investors, the lack of liquidity but can produce predictable cash income