对我国个人住房贷款的几点思考

Preliminary Thoughts on the Personal Housing Loans in China

我国开展个人住房贷款的主要难点在于商业银行、购房者个人参与的积极性不高 ,开发商经营的不规范及政府相关法规制度不配套 ,执行不力等。有鉴于此 ,应完善商业银行住房抵押贷款机制 ,加大与住房改革相关的法律、法规的制定和执行力度 ,积极推进住房抵押贷款证券化 ,建立个人信用联合征信制度和住房贷款保险制度等。

The inactivity of commercial banks and individual housing purchasers, the irregular management of the housing developers, and the lagging-behind of the relevant government laws and regulations have been the crucial points for carrying out the programs of personal housing loans. In view of these points, the mechanism of housing mortgage loans should be perfected; More emphasis should be paid to initiate the relevant laws and regulations; The housing mortgage loans should be promoted to take the form of securities, and the mechanism of personal credit and the insurance systems of housing loans should be established accordingly.