| 居民个人住房贷款风险分析及对策 |
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| 引用本文： | 王健康,罗来军.居民个人住房贷款风险分析及对策[J].特区经济,2006(12):263-264. |
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| 作者姓名： | 王健康 罗来军 |
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| 作者单位： | 1. 长沙理工大学,经济学院,湖南,长沙,410076
2. 湖南女子大学,教务处,湖南,长沙,41000 |
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| 摘 要： | 我国的个人住房贷款风险源于借款人、贷款人、开发商及国家政策等四方面,因此,个人住房贷款应从加强政府监管、有效防范市场风险、建立住房预售风险分担机制着手,有效降低住房贷款风险,促进个人住房贷款市场的健康发展。
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| 关 键 词： | 宏观调控 住房贷款风险 道德风险 |
Resident personal housing loan risk analysis and countermeasures |
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| Wang Jian Kang,Luo Lai Jun.Resident personal housing loan risk analysis and countermeasures[J].Special Zone Economy,2006(12):263-264. |
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| Authors: | Wang Jian Kang Luo Lai Jun |
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| Abstract: | The risk of individual housing mortgage comes from the four aspects reasons ,such as the lender, the developer, the national policy, and so on. The housing loan should strengthen government supervising and managing the effective guard market risk, builds the housing to sell in advance the risk to share the mochanism to focus, effectively reduces the housing loan risk. |
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| Keywords: | Macroeconomic Regulation Housing Mortgage Moral risk |
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