个人住房抵押贷款的风险管理

Risk Management of Personal Housing Mortgage Loan

个人住房抵押贷款作为一个新生事物 ,在我国开展的时间不长 ,全面推广此项业务的进展不平衡 ,在制度建设方面也还有许多不完善的地方 ,因此迫切需要进行个人住房抵押贷款风险管理的探讨。在全面分析个人住房抵押贷款风险的基础上 ,提出个人住房抵押贷款风险管理的相应对策。

Personal housing mortgage loans is a new business.Housing financing is still in its early stage in China and the progress is not synchronized across China. Our country has not established a series of laws and regulations on personal housing mortgage loans and need to do more researches on the item. During the study the writer systmeatically analyzes the risk of housing mortgage lending and put firnard the methods to improve the management of mortgage lending business.