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住房公积金贷款的违约风险步入敏感期,对住房公积金贷款构成资金风险的因素有很多,包括贷款期限、借款人经济状况、房地产市场、担保方式、利率市场化等。现行的住房公积金贷款资产管理模式也存在着许多问题,为了有效管理资产风险,树立主动管理风险的思想意识,提高资产安全性和使用效率,本文探索构建一个相对完善的资产管理模式,明确责任主体,创新管理方法。
The default risk of housing provident fund loans has entered into a sensitive period. There are many factors that make up the capital risk of housing provident fund loans, including the duration of loans, the economic status of borrowers, the real estate market, the guarantee methods and the marketization of interest rates. In order to effectively manage the risk of assets, establish the ideology of actively managing risks and improve the safety and efficiency of the assets, this paper explores the construction of a relatively perfect asset management model, clarifies the responsibility of the main body , Innovative management methods.