我国商业银行抵押贷款运行机制存在的问题与对策

Problems and Countermeasures in the Operation Mechanism of Mortgage Loan of Commercial Banks in China

我国商业银行抵押贷款违约率和违约损失率较高所导致的风险,制约着商业银行的职能发挥,威胁着金融体系的稳定性和健康性。针对我国现行商业银行抵押贷款运行机制中存在的抵押物评估不规范、抵押保险制度不健全、信贷信息共享不畅通等问题,提出了旨在为商业银行提供理性借鉴的抵押贷款运行保障体系。该运行保障体系从商业银行内部和外部两个视角出发,涵盖了包括信息披露体系、内控管理体系、审批制度、抵押物评估体系和保险制度在内的五个构成部分。

China’s commercial bank mortgage default rate and LGD rate still presents"double-liter"trend mortgage not only makes commercial banks face large risks,but also affects my country’s economic development,social stability and other major realities.This paper mainly describes the problems existing in my country’s mortgage loans from the four aspects of the lack of perfect collateral value assessment system,perfect mortgage insurance system,credit credit information sharing mechanism,and internal mortgage management mechanism,and is enhanced Information disclosure system construction,adjust management policies and strengthen commercial bank internal control,strengthen bank mortgage review system,improve the mortgage insurance system and the mortgage,and the mortgage rate is five aspects to optimize my country’s commercial bank mortgage loans to propose countermeasures.