我国住房消费信分析.pdfVIP

提 要 住房消费信贷在国外的发展已经有相当长的历史 尤其是在第二次世界大战 之后 住房消费信贷在经济发达的国家和地区得到了充分的发展 他们无论在融 资制度和金融机构设置 还是在法律保障和风险防范等方面 都积累了丰富的经 验 我国的住房消费信贷在 20 世纪 90 年代之后 才得到较快发展 截至 2005 年2 月末 商业银行发放的自营性个人住房贷款余额已达 16508 亿元 占商业银 行中长期贷款的23% 它对促进居民住房自有化 拉动国内需求 优化商业银行 资产结构以及推动国民经济的发展起到了重要的作用 但是由于我国的经济体制 正处在由传统的计划经济向社会主义市场经济转型的过程中 在住房消费信贷发 展中 不可避免的出现体制机制 思想观念 政策法规以及金融风险方面的问题 本文在借鉴国外发达国家在发展住房消费信贷先进经验的基础上 详细分析 了我国发展住房消费信贷的有利条件 制约因素以及潜在风险 推荐了初步的个 人信用评分体系 并提出了防范我国住房消费信贷风险的7 项对策和建议 一 尽快完善个人信用制度 二 健全住房消费信贷的法律法规体系 三 积极推动 住房公积金的制度创新 四 实行适度奖励政策 鼓励发展住房储蓄 五 完善 与住房消费信贷相关的制度保障 六 加强商业银行内部风险管理和监督机制 七 建立住房抵押二级市场 推进住房抵押贷款证券化 主题词 住房消费信贷 风险分析 对策建议 SUMMARY It has been more than 100 years since the Residential Mortgage was introduced in the world. Especially after the Second World War, the loan has been fully developed in the western counties. They have summed up a lot of experiences in setting up financing system and finance agency as well as enforcing financial laws and regulations and risk avoidance. Since the late 1990s, our residential mortgage has been developed quickly. At the end of February in 2005, the remaining sum of housing mortgage loan was 1650.8 billion Yuan. It reaches 23% of the total long-term credit. The residential mortgage loan is important to promote capital structure optimization of commercial bank, accelerate the economic growth, stimulate internal needs, and develop private ownership of house. But we are still in the transition from the planned economy to the market economy. It is inevitable for us to face market risk, operational risk, legal risk and etc. This author uses the experiences of western counties for reference and makes an exhaustive study of the optimistic factors and the pessimistic factors of our own loan, especially illustrate the potential risks. In order to reduce th