摘要
住宅抵押贷款多为存款金融机构创造的信贷行为 ,其所需要资金量大、偿还期限长的特点 ,常使金融机构承受多种风险的压力 ,这些由大的社会、经济和自然环境因素所产生的系统风险 ,通常仅靠银行自身努力或采取预定的防范措施 ,如对借款人实施严格的资信调查、加强对抵押物的评估和管理等等 ,是难以奏效的。笔者认为 ,从制度建设入手 ,建立完善的住宅抵押贷款保险机制 ,是从根本上防范住宅金融风险的重要举措。本文将从分析北美和西欧的抵押保险模式入手 ,并对中国的住宅抵押保险和担保机制提出可行性建议。
Home mortgage loan is created by saving financial institutions, which requires a large amount of funds and is of long term. So, these financial institutions undertake great pressure of various risks. The risks are systematic risks that are caused by the society, economy and environment, and can not be avoided by the financial institutions themselves through precautious measures, such as rigid investigation on loanees' standing of credit, strict management and assessment of collateral. The author believes that establishing a sophisticated home mortgage insurance system is essential to avoiding those risks. The article begins with the analysis of mortgage insurance model in North America and West Europe, and then suggests on the feasibility of establishing home mortgage insurance system in China.
出处
《财经科学》
CSSCI
北大核心
2001年第4期21-27,共7页
Finance & Economics
