个人住房抵押贷款风险与防范分析-政治经济学专业论文.docxVIP

II II Abstract However after having experienced most recent several years fast growths, under this economic crisiss environment influence, each kind of contrary mortgage loan presents as well as the whole individual home mortgage loan fraction defective rise unceasingly. It is explained that the past several years the individual home mortgage loan covert risk started to expose gradually. Although present bank individual home mortgage loan fraction defective overall not specially high, but the reality trend of development has aroused sufficiently to individual home mortgage credit risk guard takes seriously fully. This article tries to analyze the present situation of our country individual home mortgage credit risk, discovers the production mechanism of individual mortgage. Profits from the overseas typical country individual home mortgage credit risk guard the advanced experience, discusses our country individual home mortgage credit risk guard the method and the countermeasure, provides the reference for our country individual home mortgage loan businesss healthy development. In this article take our country individual home mortgage loan markets development present situation as the basic point, take the American loan crisis and the international finance storm as the breakthrough point, carries on the thorough analysis to our country individual home mortgage loan markets risk. The article breaks free the structure of conventional, the issue document falls with emphasis in the question analysis and correlation suggestion statement, argues vigorously achieves key prominent, the application of local experience to the entire area, puts forward the proposal by the time with a clear goal, has the high feasibility and the feasibility. This first outline of this article introduced our country real estate market individual home mortgage loans some elementary theories, and simultaneously obtain the existence massive risk hidden danger from its development present situation a