住房公积金贷款的风险与防范

住房公积金贷款是职工使用住房公积金的重要方式,具有其它使用方式无法比拟的优点。但住房公积金贷款制度在运作过程中也存在着一系列潜在风险。针对这些风险,主要应当从改革和完善委托贷款管理机制、完善贷款审批制度和贷款抵押管理、建立健全个人信用制度、构建贷款风险的政策化解机制等方面加强防范。

Mortgage through Accumulation Funds: the Risks and the Measures

Mortgage through accumulation funds,with its own advantages,is an important way for the employees to spend accumulation funds.But there exists the potential risks in the operation of the system.As for the measures to the risks,the paper points out that the agent loan management mechanism should be reformed and perfected,that the loan examination and appraisal and mortgage management should be improved,that the individual credit system should be constructed and improved,and that the resolution mechanism should be constructed.