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我国个人住房抵押贷款业务经过近十年的发展已初具规模,但与房地产业和房地产金融业务发展极不相称。一方面发展规模过小,管理机制与风险约束机制尚不健全,另一方面,个人住宅抵押贷款的风险问题得不到妥善解决。这些风险包括抵押物风险、贷款条件风险、抵押物处置风险、债务人信用风
After nearly ten years of development, China’s personal housing mortgage loan business has begun to take shape, but it is disproportionate to the development of the real estate and real estate finance businesses. On the one hand, the scale of development is too small, and the mechanism of management and risk restriction are not yet perfect. On the other hand, the risk of personal residential mortgage loans can not be properly solved. These risks include collateral risk, loan condition risk, collateral disposal risk, debtor credit risk