我國住房消費信貸分析.pdf

1、對外經(jīng)濟貿(mào)易大學碩士學位論文我國住房消費信貸分析姓名：萬江申請學位級別：碩士專業(yè)：金融學指導教師：劉園20050301SUMMARYIthasbeenmethan100yearssincetheResidentialMtgagewasintroducedinthewld.EspeciallyaftertheSecondWldWartheloanhasbeenfullydevelopedinthewesterncounties.Theyh

2、avesummedupalotofexperiencesinsettingupfinancingsystemfinanceagencyaswellasenfcingfinanciallawsregulationsriskavoidance.Sincethelate1990sourresidentialmtgagehasbeendevelopedquickly.AttheendofFebruaryin2005theremainingsum

3、ofhousingmtgageloanwas1650.8billionYuan.Itreaches23%ofthetotallongtermcredit.Theresidentialmtgageloanisimptanttopromotecapitalstructureoptimizationofcommercialbankacceleratetheeconomicgrowthstimulateinternalneedsdevelopp

4、rivateownershipofhouse.Butwearestillinthetransitionfromtheplannedeconomytothemarketeconomy.Itisinevitablefustofacemarketriskoperationalrisklegalrisketc.Thisauthusestheexperiencesofwesterncountiesfreferencemakesanexhausti

5、vestudyoftheoptimisticfactsthepessimisticfactsofourownloanespeciallyillustratethepotentialrisks.IndertoreducetheserisksIevaluatetheindividualcreditfrombothpropertymalityIrecommendtheinitialevaluationsystem.Consequentlywe

6、putfward7advicestoavoidtheserisks.Firstaperfectindividualcreditsystemistobebuiltassoonaspossible.Secondlythelawsofresidentialmtgagearetobecompleted.Thirdlythefundsystemofhousinghastobeinnovated.Fourthlysomerewardpolicysh

7、ouldbetakentoencouragecontractualsavings.Fifthlygovernmentguaranteesystemoftheloanshouldbecompleted.Sixthlytheinternalmanagementthesupervisionofthecommercialbankshouldbeenhanced.Finallythesecondmarketofmtgageloanshouldbe