| 住房公积金贷款风险及其防范 |
| |
| 引用本文： | 王冬霞.住房公积金贷款风险及其防范[J].福建金融管理干部学院学报,2011(5):37-40,52. |
| |
| 作者姓名： | 王冬霞 |
| |
| 作者单位： | 福建铁路建设有限公司,福建福州,350013 |
| |
| 摘 要： | 住房公积金贷款面向中低收入者、利率低、以居住房屋为抵押物等特点，分析我国住房公积金贷款面临的外部环境影响和内部自身因素可知公积金贷款存在政策风险、市场风险、信用风险、财产抵押风险、内部管理风险等。要真正发挥住房公积金贷款的积极作用，最大限度的化解风险，必须建立健全相关法律法规、个人信用制度和强化内部管理等应对措施。
|
| 关 键 词： | 住房公积金 贷款 风险控制 |
Precaution and Control on Risks in Housing Fund Loans |
| |
| Wang Dong-xia.Precaution and Control on Risks in Housing Fund Loans[J].Journal of Fujian Institute of Financial Administrators,2011(5):37-40,52. |
| |
| Authors: | Wang Dong-xia |
| |
| Institution: | Wang Dong-xia |
| |
| Abstract: | Housing Fund acts as our basic housing guarantee system,along with the rapid its collection and lending businesses,risks in housing fund loans are looming,so,effective approaches for risk control are required.Based on its features of access of low-income groups,low interest rate,and home mortgage,this paper analyses exogenous and endogenous factors inducing risks,such as:policy risk,market risk,credit risk,property mortgage risk,internal management risk,and proposes to perfect relevant rules and regulations... |
| |
| Keywords: | housing fund loan risk control |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
|
