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Cagamas Berhad：促进马来西亚的房屋所有权和二级抵押贷款市场的增长
Cagamas Berhad 是一家成立于 1986 年的马来西亚国家抵押贷款公司。该公司的主要目标是促进马来西亚的房屋所有权和二级抵押贷款市场的增长。 Cagamas Berhad 通过从金融机构购买住房贷款，在为马来西亚住房市场提供流动性方面发挥着至关重要的作用，从而腾出资金用于进一步放贷。
该公司作为一家特殊目的机构 (SPV) 运营，发行由其抵押贷款组合支持的债务证券。然后将这些证券出售给投资者，包括养老基金、保险公司和资产管理公司等机构投资者。通过这样做，Cagamas Berhad 有助于将长期资金引入马来西亚房地产市场。
Cagamas Berhad 自成立以来一直致力于发展马来西亚的二级抵押贷款市场。该公司通过向发行 MBS 的金融机构提供信用增级便利，在为抵押贷款支持证券 (MBS) 创建流动性和高效市场方面发挥了重要作用。
Cagamas Berhad 的主要优势之一是其有效管理信用风险的能力。该公司开发了强大的风险管理系统，使其能够准确评估信用风险并相应地为其债务证券定价。这种方法帮助 Cagamas Berhad 保持了穆迪投资者服务公司和标准普尔等国际评级机构的高信用评级。
除了通过其核心业务活动促进房屋所有权外，Cagamas Berhad 还支持旨在增加中低收入家庭获得经济适用房的机会的各种举措。例如，该公司与 Perbadanan PR1MA Malaysia (PR1MA) 和 Syarikat Perumahan Negara Bhd (SPNB) 等政府机构合作开展经济适用房项目。
Cagamas Berhad 还为行业专业人士提供有关抵押贷款融资、证券化、风险管理和其他相关领域的培训计划。这些计划有助于建设行业内的能力，同时促进提高透明度和问责制的最佳实践。
作为可持续发展承诺的一部分，Cagamas Berhad 尽可能将环境因素纳入其业务运营。例如，该公司在其办公楼内推广节能措施，同时鼓励员工参与提高环保意识的活动。
综上所述，
Cagamas Berhad 通过有效管理与在马来西亚境内运营的金融机构发行的抵押贷款相关的信贷风险，在促进房屋所有权同时支持可持续经济增长方面发挥着重要作用。
该公司管理与抵押贷款相关风险的创新方法不仅使其能够提供流动性，而且还创造了一个有效的二级抵押贷款市场，吸引了本地和外国投资者。
通过与 PR1MA 和 SPNB 等政府机构的合作；培训计划；促进能源效率措施；环境意识运动等——他们已经证明了他们对建设可持续社区的承诺。
总的来说，CAGAMAS BERHAD 在融资置业或投资房地产领域时仍然是马来西亚人最值得信赖的合作伙伴之一，因为他们几十年来的良好业绩记录充分说明了他们的信誉和可靠性
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