论住房公积金贷款的风险防控

On Risk Prevention and Control of Housing Accumulation Fund Loan

住房公积金是单位及其在职职工缴存的长期住房储金,是国家法律规定的重要的社会住房保障资金,取之于民,用之于民,在发放个人住房公积金贷款时实行低存低贷的政策,具有其它商业贷款无可比拟的优势,是解决和改善职工住房的政策性融资途径。伴随住房公积金贷款业务的快速发展,其风险贯穿于贷款审批、发放和回收整个的管理过程之中。本文介绍了住房公积金贷款风险产生的原因,并针对不同的成因论述了相应的风险防控措施,从而形成了全方位的住房公积金贷款风险防控体系。

The housing accumulation fund is a long-term housing fund deposited by the unit and its employees. It is an important social housing guarantee fund stipulated by the national law. It has the advantages of low-deposit and low-loan at the time of granting the individual housing accumulation fund loan, and it is a policy financing way to solve and improve the employee＇ s housing. The paper introduces the causes of the loan risk of the housing accumulation fund, and discusses the corresponding risk control measures for different reasons, thus forming a comprehensive housing accumulation fund loan risk control system.