Study Of Systematic Building And Managing Of Personal House Mortgage Loan Hypothecation In China

In this paper, systematic building and managing of personal house mortgage loan hypothecation and in China and risk managemant are mainly studied. This paper can be divided into two parts: the first part aims at system actuality of personal house mortgage .loan hypothecation and problem analysis. Comparative study on personal house mortgage loan hypothecation in foreign countries. Personal house mortgage loan hypothecation systematic in China is bulied ; The second part aims at risk management, the new and the old systematic risk is comparative.In the first three parts , a summary process of personal house mortgage loan hypothecation in China is recounted. Shanghai personal house mortgage loan hypothecation corporation and tianjin jinfang personal house mortgage loan hypothecation corporation have representative in many corporations. Through studying the two corporations , some problems are found , the mains are city-fared and no supervised.In the four part, America and Japan's personal house mortgage loan hypothecation are . Comparatived. There are many advantages for our country's system.Basis on the four part, the five part constructs newly personal house mortgage loan hypothecation system. Hypothecate institution is non-bank fiance institution, personal house mortgage loan hypothecation institutions incept the PBC ,ministry of construct and ministry of finance, our country's hypothecation system can divided into two parts: the policied hypothecation system and the business. The double hypothecation mechanism is bulied for separate risk.The six part sthdies personal house mortgage loan hypothecation system's risk managemant. the weign risk's index system is bulied. From the conclusion of faintness integrate judge mathematics model, the new system reduce system risk efficiency.