| 论我国按揭贷款市场风控体系的协调性 |
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| 引用本文： | 张炳达,宋怡欣. 论我国按揭贷款市场风控体系的协调性[J]. 福建金融管理干部学院学报, 2014, 0(2): 10-13 |
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| 作者姓名： | 张炳达 宋怡欣 |
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| 作者单位： | 1. 同济大学经济与管理学院,上海,200092
2. 华东政法大学经济法学院,上海,200042 |
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| 基金项目： | 2013年上海高校青年教师培养资助计划“房地产市场调控政策的经济法分析”,华东政法大学研究生创新能力培养专项资金项目“我国按揭贷款风险监管法制研究” |
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| 摘 要： | 按揭贷款发展至今已经基本形成了风险控制体系.按揭贷款的风险控制体系包括外部监管与内部风控,具体又可分为三个层面：基础业务制度、表外业务制度与系统性风控制度,两者之间的联系在于信息不对称性,而最终的目标是确定政府与企业在各自市场中的职能.
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| 关 键 词： | 按揭贷款 外部监管 内部风控 |
Coordination of China's Mortgage Market Risk Control System |
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| Zhang Bingda,Song Yixin. Coordination of China's Mortgage Market Risk Control System[J]. Journal of Fujian Institute of Financial Administrators, 2014, 0(2): 10-13 |
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| Authors: | Zhang Bingda Song Yixin |
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| Affiliation: | Zhang Bingda,Song Yixin |
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| Abstract: | The mortgage development has basically formed a risk control system. The risk control system of mortgage loans include external supervision and internal risk control, which can be divided into three levels： basic business system, the off balance sheet business system and the system of risk control, the connection between the two is that the information asymmetry, and the ultimate goal is to determine the government and enterprises in their respective market functions. |
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| Keywords: | Mortgage loans External supervision Internal risk control |
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