商业性个人住房抵押贷款的银行债权保护

Commercial personal housing mortgage payment's bank credit protection

1992年,中国建设银行首次发放了个人住房抵押贷款。从此,商业银行为自己找到了一个优良的贷款方向。但是个人住房抵押贷款期限一般都比较长,这就致使风险的暴露需要一个缓慢的过程。因此,个人住房抵押贷款的风险问题已经成为金融机构关注的焦点,同时也成为理论界研究和讨论的热点问题之一。基于以上背景,在对个人住房抵押贷款市场中的各种风险进行透彻分析和对我国的具体国情进行详细考究的基础上,本文有针对性地提出了一些银行债权保护的具体方法。

1992, the China Construction Bank issued the first time the personal housing mortgage loans. Since then, the commercial banks themselves found a good direction for the loan. But personal housing mortgage loans longer than normal period, which caused the risk of exposure required a slow process. Therefore, the personal housing mortgage loans the risk of financial institutions has become the focus of attention, but also a theoretical circles study and discussion of the issues. Based on the above background, in the personal housing mortgage loans in the market for a thorough analysis of various risks and the specific national conditions of China＇s sophisticated detail on the basis of this paper in a targeted manner made a number of bank claims the protection of the specific methods.