全球金融危机对控制我国房贷风险的启示.pdfVIP

要 次贷危机表面看是美国房价走低、利率走高所致，本质原因却是资金供应方 降低信贷门槛、忽视风险管理，需求方过度借贷、反复抵押融资。这需要引起我 国商业银行和贷款购房者的警惕，所以我们必须对次贷危机进行认真研究与深入 分析，同时对比探讨我国国内相关制度，从而吸取次贷危机经验，提出应对危机 措施，改进完善我国相关制度。商业银行应加强信用系统建设，提高风险防范能 力，笔者试图着力从法律防范制度入手，完善银行房贷风险防范制度。中国没有 次级按揭贷款制度，但相近似的制度有很多。中国的房贷流程中可能会出现哪些 方面的风险，作者希望通过全面研究，在对比借鉴美国次级按揭贷款制度的基础 上，分析中国目前的房贷制度，以期为中国房贷风险的防范和控制提出完善的建 议，为解决中国实际问题提出建议。 关键词：银行房贷；风险控制；信贷 1 Abstract The face of the subprime crisis is the falling U.S. home prices, higher interest rates due to, in essence, the supply side because it is lowering the credit threshold of funds, neglect of risk management, demand-side over-borrowing, repeatedly mortgage financing. This need has aroused the Chinese commercial banks and home buyers wary, so we must carefully study the sub-prime crisis, and in-depth analysis, and comparison of our domestic-related systems, which draw on experience of the subprime crisis, proposed measures to respond to crises, to improve sound related systems in China. Commercial banks should strengthen the credit system construction, improve the risk prevention capability, I tried to focus on the law to prevent the system from the start, improve risk prevention system of mortgage banks. China has no sub-prime mortgage loan system, but there are many similar-like system. Chinas mortgage process what may occur in the risk, the authors hope that a comprehensive study, in contrast reference system of the U.S. subprime mortgage loans, based on analysis of Chinas current mortgage system in order to prevent the risk for the mortgage and the Chinese control put forward a sound proposal to resolve practical problems in China to make recommendations. Keywords: Bank mortgage; risk control; credit 2