1个人住房抵押贷款资产证券化评级方法目录一、适用范围.............................................................................................................2二、评级框架............................................................................................................3三、基础资产分析....................................................................................................4（一）基础资产特征.................................................................................................4（二）基础资产组合信用风险.................................................................................5四、现金流分析与压力测试...................