从香港抵押监管看内地银行业抵押风险的防范

The implication of Mortagage Supervision in Hongkong for Hinterland

作为银行防范信贷风险的重要途径,抵押担保如何更有效地发挥作用,是国际银行业和监管当局面临的共同挑战。根据香港银行业抵押担保管理的经验,香港金融管理局为防范银行抵押风险对抵押担保管理进行了系统的规范,通过对该规范的细致解读,并与内地银行抵押担保管理现状进行比较分析,我们发现两者在抵押品的接受标准、估价机制及贷后管理上存在较大的差异,最后通过分析提出了相关对策。

Mortagage assurance is an important approach to prevent credit risk, and how to use it more effectively is the mutual challenge of international bank industry and supervision department. According to the experience of Hongkong, the financial management bureau has prescribed the prevision of mortagage assurance management to prevent bank mortagage risk. By explaining the prevision particularly, and comparing with the situation of bank mortagage assurance in hinterland, we found that there is a significant difference in accept criterion of gage, evaluation mechanism and the management after lending. Finally, we put forward corresponding suggestion