毕业论文-个人卓贷款违约风险探析.docVIP

l 个人住房抵押贷款违约风险探析 摘要：个人住房抵押贷款是一种经济活动，这种经济活动存在着一定的风险，可能使双方造成损失。金融机构与贷款的个人必须小心应对，因为这种风险存在着不可预见性，发放贷款的金融机构必须详细核实贷款人的真实情况，而贷款人也必须根据自己的实际情况申请相应数额的贷款。所以本文对个人住房抵押贷款风险出现的原因，对社会经济和人民生活的影响进行了客观详实的讨论，阐述了个人住房抵押贷款的优劣性，并根据国家政策，市场需求及个人需求等方面简述了防范、降低风险的对策，以及风险发生时的处理方式。 关键词：个人住房贷款、违约、风险 Abstract：Personal housing mortgage loans in economic activity, the existence of certain economic activities, this risk may result in losses on both sides. Individual financial institutions and credit should be careful, because there is a danger, you must verify the true credit of personal information, apply for loans must be in accordance with their present situation, to determine the loan amount of unpredictability. Therefore, individual housing mortgage loans, personal housing mortgage loans this article because of the social, economic, and civic life in danger, do personal housing mortgage loans in an objective discussion, said that the advantages and disadvantages, and in accordance with national policies , market demand, such as a brief description of the prevention, risk reduction approach and risk occurs when the individual needs of the solution. Keywords：Individual housing loans、Fell back、risk 目录 引言 …………………………………………………………………………………………4 信息不对称是违约风险形成的本质 …………………………………………………5 （一）个人住房抵押贷款领域的逆选择……………………………………………………5（二）个人住房抵押贷款领域的道德风险…………………………………………………5 信息不对称在宏观层面上的表现 ……………………………………………………6 （一）机制建设层面…………………………………………………………………………6 （二）市场环境层面…………………………………………………………………………6 （三）制度保障层面…………………………………………………………………………7 （四）缺乏科学有效住房评估机制…………………………………………………………7 信息不对称在微观层面的表现 ………………………………………………………8 注重从业人员控制制度的完善……………………………………………………8 缺乏科学有效住房评估机制………………………………………………………8 个人信用体制的缺失………………………………………………………………8 我国个人住房抵押贷款担保机制不健全 ……………………………………………9 个人住房贷款违约风险的对策 ………………………………………………………9 对开发商方面的风险控制…………………………………………………………9 对购房者方面的风险控制 ………………………………………………………10 对房地产抵押方面的风险控制 …………………………………………………11 我国个人住房抵押贷款违约风险防范机制的建立与完善…………………………12 建立适合中国国情的个人信用评级制度，规范市场信息传递机制……………12 建立个人住房抵押贷款双层保险制度，缓解银行面临的违约风险压力………13 利用人民银行信贷信息网络优势，共享信息资源……………………………