Research On Operational Optimization And Risk Control Of House Accumulation Fund

As main source of political house fund, the House Accumulation Fund (HAF) is a building the key of house transform and house guarantee system. HAF of China still is placed in the movement primarily, with the problem for development very unbalance. Fund collecting totally lack, using the rate not highly and lacking the risk-resist system are main problems. Study background is ChongQing HAF, how to make whose worth increase in value, attain the"the safety, liquidity with the investment" of unify, constituted the core contents of the thesis.At first, This thesis analyzed some essential elements about the system of personal houe loan and make the compare to Chinese and Foreign system, and established the system of personal credit evaluate; The second, the thesis discusses the investment technique and strategy of national debt in the provident fund, and established the model about how to invest the national debt; The third, the thesis build the forecast model about fund collecting and drawing, and make use of the combination invest theories to build model of individual loan and national debt; At last, the thesis analyses the risk's inside reason of house funds with the risk type, and to give out the related suggestion to funds risk. Mechanism. The thesis research show me how to make use of that some models and methods in the process of HAF management and make me deeply understand the house funds. The thesis provides us with the decision basis about the management of HAF and risk control.