编者按:个人住房抵押贷款从本质上说属于金融企业的优质资产,这也是它发展迅速的一个重要原因。但是它固有的一些特性,如期限长、资金来源及运用分散等对住房抵押信贷提出了较高的专业要求。特别是在我国信用制度不完善、缺乏系统的管理经验和数据等情况下,住房抵押贷款的... Editor’s note: Individual housing mortgages are, in essence, premium assets belonging to financial firms, an important reason for their rapid growth. However, some of its inherent characteristics, such as a long period of time, the source of funding and the use of decentralized housing mortgage credit put forward higher professional requirements. Especially in our country’s credit system is not perfect, the lack of systematic management experience and data, etc., the housing mortgage loan ...