دراسات اقتصادية
Volume 19, Numéro 3, Pages 419-437
2025-11-02
Analyzing Mortgage Loan Securitization In Commercial Banks: Current Realities And Future Outlook
Authors : Ferhat Abdelkrim . Mansour Manel .
Abstract
This study aims to analyze the current state of mortgage loan securitization in commercial banks, highlighting its importance, present condition, associated challenges, and exploring its future prospects in light of technological and regulatory developments. It adopts an analytical approach emphasizing future expectations for mortgage securitization. The study concludes that mortgage loan securitization is a strategic financial tool that enhances liquidity, reduces risk, and supports financial stability, particularly in developed markets. Furthermore, technological developments such as artificial intelligence and blockchain contribute to improving securitization efficiency, while green securities promote the shift toward environmental sustainability.
Keywords
Mortgage Loan Securitization ; Technological Developments ; Financial Stability
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