| 从美国次贷危机看我国住房抵押贷款存在的风险 |
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| 引用本文： | 陈占武.从美国次贷危机看我国住房抵押贷款存在的风险[J].河南金融管理干部学院学报,2008,26(5):87-89. |
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| 作者姓名： | 陈占武 |
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| 作者单位： | 河南省巩义市农村信用联社孝义信用社,河南,巩义,451200 |
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| 摘 要： | 美国次贷危机的爆发和蔓延，无疑已经对世界金融业产生了重大影响，也引起我国学界对国内住房抵押贷款风险的关注。我国住房抵押贷款存在着诸如房地产金融体系相对简单、参与者单一、商业银行风险控制水平不高、住房抵押贷款尚未证券化等风险。今后，要进一步推进国内资产证券化的发展，从政策上支持个人住房抵押贷款的风险管理，中央银行应当强化对银行贷款质量的监管，建立有效的金融体系监管制度。
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| 关 键 词： | 次贷危机 住房抵押贷款 风险管理 |
Viewing Risk in Housing Mortgage Loan in China from Sub-prime Mortgage Loan Crisis in the USA |
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| CHEN Zhan-wu.Viewing Risk in Housing Mortgage Loan in China from Sub-prime Mortgage Loan Crisis in the USA[J].Journal of Henan College of Financial Management Cadres,2008,26(5):87-89. |
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| Authors: | CHEN Zhan-wu |
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| Institution: | CHEN Zhan - wu (Xiaoyi Cooperative, Gongyi City Rural Credit Cooperative , Gongyi, Henan 451200, China ) |
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| Abstract: | The outbreak and expansion of American sub-prime mortgage loan crisis has no doubt had great influence on world financial industry,which has also aroused great concern by Chinese academic community with housing mortgage loan risks in China.There are such risks for housing mortgage loan in China as relatively simple real estate financial system,single participants,low risk controlling levels of commercial banks,no securitization of housing mortgage loan,etc.In future,in order to further push forward the deve... |
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| Keywords: | sub-prime mortgage loan crisis housing mortgage loan risk management |
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