关于银行期房按揭贷款的风险防范机制.pdfVIP

摘 要 至2000 年以来，中国银行业期房按揭屡创新高，而中国按揭立法尚处于起步 阶段，社会信用制度不完善，金融防范手段还比较薄弱，导致银行业期房按揭风 险加大，按揭风险有待加强防范。从香港及相关国家和地区的立法及实践来看， 对银行期房按揭风险的防范措施各不相同，但都是趋向于体系化的法律防范。 目前我国期房按揭风险日益显形，理论界和实务界均期望通过对银行期房按 揭风险探根溯源，以从根本上防范于未然，故如何选择适合中国国情的措施，进 而形成一套完善的期房按揭防范体系，已成为关注的焦点。目前主流观点多从按 揭属性，按揭风险的种类，按揭风险防范措施等众多方面阐述，尽管很多见解颇 为独到，但其多从经济的视野着眼，缺乏宏观性，稳定性和国家强制性，收效难 尽如人意。 当前银行业期房按揭风险不断加大，中国可以借鉴香港的按揭制度对按揭制 度进行适当的法律属性改造，并针对《商业银行法》、《担保法》等相关银行抵押 的条款进行改造，防范银行按揭风险法律规制的失灵，维护良好的社会主义金融 秩序。 就国内目前解决期房按揭风险问题的措施而言，一般采用抵押的方式，而国 外除抵押方式以外，还有诸如回购、按揭贷款证券化、按揭保险等措施，并且这 些措施能对银行按揭风险多方位的进行防范和缓解风险。中国有必要对国内外的 按揭保险进行比较和研究，并结合中国按揭保险的现状和问题，健全和完善中国 房地产按揭风险和防范制度。 关键词：银行期房按揭贷款；风险；风险防范措施 I ABSTRACT The legislation of the mortgage in our country is still in the initial stage and social credit system is imperfect. The financial means of prevention is relatively weak, and we are lack of management experience and information support. The author got the theme of On Banking Risks of Mortgage Loans and Legal Regulations, gave a detailed explanation in the forming of Chinas banking mortgage loan risks and combines with the successful international experience in guarding against the risks of mortgage loans. The author got into the etymology of mortgage and analyzed mortgage status of our country. The author combined the present conditions of the mortgage system with the analysis in the rights and interests of the banks in the mortgage loans providing. In this part, the author pointed out that the banks expose to several kinds of risks in the process of mortgage loans providing, and laid down the foundations for constructing the mortgage risk prevention system. The author pointed out that there are still some barriers in the law system for the resolution of the legal risks. Con