浅谈商业银行房地产抵押贷款风险防范

Research on the Risk Guard of Commercial Bank's Real Estate Mortgage Loan

商业银行房地产抵押贷款风险主要有:以设定抵押后建的设施扩大贷款、以划拨土地抵押贷款、以预售商品房和在建工程抵押贷款和以亏损企业财产贷款。防范此类贷款风险的措施主要有:明确抵押物的法定范围、规范土地使用权抵押操作等。

There are many risks in commercial bank＇s real estate mortage loan, which mainly include the expansion loan based on the facility constructed after mortgage the hypothesis, transferred the land loan, to mortgage the commercial housing sold in advance and constructing in progress for loan, to mortgage the unprofitable firm property for loan and so on. The measures to guard against this kind of ereditrisk are mainly to clear about the legal scope of the pawn, to requlate ghe mortgage operation of land employment right.