论住房消费信贷银行风险的法律防范机制经济法学专业毕业论文.docxVIP

Abs Abstract 1 1 2 2 Housing consumer credit as a new business tool under present social and economic conditions has already become the mainstream of the domestic housing consumption and a main funding source for the real estate industry. Pushed by a surging market demand and substantial volume in both profit and turnover against low operation cost and simplicity in procedure, many commercial banks rush to this business. However, Chinas housing consumer credit business, with its relatively low development and immaturity, is still facing many risks such as the loss of market credit, lack of both regulation and sound legal regime, as well as a shortage of the in-bank risk prevention and control mechanism, etc. Therefore, it is necessary to carefully comb these problems as so to find ways to an effective legal mechanism for risk prevention concerning housing consumer credit. Such considerations formed the base of thought while the author was writing the paper. The whole text of this paper is divided into six parts: The First Part - Introduction, from the perspective of the housing consumer credit market, explores the theoretical value and practical significance of the legal mechanism focusing on the risk prevention during housing consumer credit by commercial banks. It also introduces the status of the domestic and foreign research, the emphasis, methodology and innovations of study. The Second Part -Overview on the risks in housing consumer credit by commercial banks discusses the connotation of housing consumer credit, and analyzes the main risks the banks face, particularity on the special features of those risks, which could serve as a foundation for the following analysis. The Third Part-“Analysis on current situation of Chinas Legal mechanism for risk prevention in housing consumer credit”is divided into two sections. The first section discusses the function and highlights the importance of risk prevention during housing consumer credit. The second section analys