摘要
住房公积金制度,为解决城镇中低收入职工购房困难发挥了显著的作用。公积金贷款风险涉及面广,其风险产生的原因复杂,监督难度大,使得潜在风险随之加剧。我国应借鉴国外先进国家经验,建立个人信用信息库,健全贷款风险管理制度;强化贷款担保,转移贷款风险,丰富住房贷款品种,切实做好住房保障工作,以尽快完善风险防范措施。
The housing accumulation fund system plays an important role on house purchase for employee with middle and lowincome in cities and towns.The potential risk is increasing due to its wide risk,complicated reasons,and difficulty in supervision.Our country should build personal credit information base,improve loan risk management system,increase loan guarantee,transfer loan risk,enrich the variety of housing loan,finish housing guarantee,and promote risk prevention method according to the experience from developed countries.
出处
《商业经济》
2010年第13期70-71,73,共3页
Business & Economy
关键词
住房公积金制度
贷款风险
housing accumulation fund system
loan risk
