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住房问题是当今社会重要的民生问题,也是重要的经济问题。建立健全住房保障制度、解决好居民的住房困难问题,是政府公共服务的一项重要职责。各级政府和有关部门要提高对住房金融工作重要性和健康发展的认识,进一步落实住房保障责任,增强住房金融市场的调控能力。基于此,本文提出了针对我国的住房按揭贷款的风险管理措施,为改革之中的商业银行预防风险带来一些启示,对进一步推动我国金融体系建设有着积极和现实的意义。
Housing is an important livelihood issue in today’s society and an important economic issue. Establish and improve the housing security system to solve the housing problem of residents is an important responsibility of the government public service. Governments at all levels and relevant departments should raise their awareness of the importance and healthy development of housing finance, further implement the responsibility of housing security and enhance the regulation and control ability of the housing finance market. Based on this, this paper puts forward risk management measures for housing mortgage loans in our country, brings some enlightenment for the prevention of commercial banks in the process of reform, and has positive and practical significance to further promote the construction of China’s financial system.