| 由美国次贷危机看我国房贷市场调控需要的信息 |
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| 引用本文： | 李连三,张卉,钟蜀明.由美国次贷危机看我国房贷市场调控需要的信息[J].河南金融管理干部学院学报,2008,26(1):22-24. |
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| 作者姓名： | 李连三 张卉 钟蜀明 |
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| 作者单位： | 1. 特华博士后科研工作站,北京,100040
2. 中国人民银行征信中心,北京,100032 |
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| 摘 要： | 美国次贷危机对我国的启示在于，如果未来不加强房贷市场调控，我国金融体系将面，瞄巨大的风险。对房贷市场进行准确分析和调控的前提是必须有充足的信息。从“第二套房”的认定视角，为服务于商业银行房地产贷款发放和国家房贷市场调控，我国征信系统需要扩展的信息主要有：外资银行拥有的房贷信息、房屋权属登记信息、婚姻信息和户籍登记信息。
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| 关 键 词： | 次贷危机 房地产按揭贷款 征信系统 |
| 文章编号： | 1008-7796(2008)01-0022-03 |
| 修稿时间： | 2007年12月25 |
Viewing the Information Needed by China Real Estate Market Regulation from American Mortgaged loan crisis |
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| LI Lian-san,ZHANG Hui,ZHONG Shu-ming.Viewing the Information Needed by China Real Estate Market Regulation from American Mortgaged loan crisis[J].Journal of Henan College of Financial Management Cadres,2008,26(1):22-24. |
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| Authors: | LI Lian-san ZHANG Hui ZHONG Shu-ming |
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| Institution: | LI Lian-san1,ZHANG Hui2,ZHONG Shu-ming2 (1.Tehua Postdoctoral Scientific Workstation,Beijing 100040,China,2.Credit Information Center of the PBC,Beijing 100032,China) |
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| Abstract: | The enlightenment of American subsuperime mortagaged loan crisis for China is that China's future financial system will face huge risk if real estate market regulation is not strengthened.The premise for correct analysis and regulation of real estate market is sufficeint information.Viewed from the second house certifying,in order to serve for commercial bank real estate marekt laon extension and national real estate market regulation,China's credit information system desired to be extended as follows: info... |
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| Keywords: | subsuperime mortagaged loan crisis mortagaged loan credit information system |
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