论文部分内容阅读
按揭贷款市场的主要风险来源于信息不对称。外部监管与内部风控缺一不可,国内立法崇尚以解决市场缺陷为核心的实用主义立法,注重外部监管;国外强调建立自由市场,由此形成强调形式主义的内部风控立法,两者在基础制度、表外业务制度与系统性风险制度三个层面构成了风控体系。就我国而言风控体系的发展目标是外部监管的间接化与风控行为的自主化,但在发展的不同阶段侧重点存在差异。
The main risk in the mortgage loan market comes from information asymmetry. External regulation and internal risk control are both indispensable. The domestic legislation advocates pragmatic legislation with market deficiencies as the core and emphasizes external regulation. Foreign countries emphasize the establishment of a free market, thus forming the internal wind control legislation that emphasizes formalism, System, off-balance sheet business system and systematic risk system constitute the risk control system. For our country, the development goal of the risk control system is the independence of external regulation and the self-regulation of risk control behavior. However, there are differences in different stages of development.