我国个人住房贷款监管的立法完善——以美国次贷危机为戒

Improving the Legislation of China's Superintendence of Home Loan——Take the American sub-prime mortgage crisis as an object lesson

次贷危机对世界经济的破坏日益加重,监管缺失是其产生根源。与美国的住房贷款相比,我国当前的个人住房贷款也有某种相似之处,而我国的房贷监管立法则存在着片面的过度监管问题,其安全隐患不容忽视,亟待加以完善。为此,我们应将传统的商业银行与借款人之间的借贷关系附加上信托关系、设立政策性房贷银行、细化房贷中介的管理以及普及金融教育。

The sub-prime mortgage crisis is undermining the world economics increasingly,and the absence of superintendence is its source.Compared with the American home loan,ours is alike to a certain degree,and our home loan legislation has the defect of unilateral and excessive superintendence,we should not ignore the lurking danger and should improve the legislation.Therefore,we should transfer the ＂borrow and loan＂ relation into trust,establish policy home loan banks,detail the regulations of home loan agents,carry out financial education in the primary and secondary schools.