The Risks And The Measures To Prevent The Risks Of Residential Mortgage Loans

As the leading estate of our future national economy, residential industry will develop at a rather high speed, and give an impetus to other business. It can absorb new technology and make this business better and better. The system of residential mortgage loans enlarged the consumption of residences and increased real estate need of supply. The development of real estate can motivate the development of other related businesses, enlarge internal need and put forward our national economy healthily. By supporting residential mortgage loans, the government can realize it's policy that every resident has his or her own residence.The whole thesis is divided into three main parts. The first part is about residential mortgage loans. The writer introduces the connotation of it and analyse the economic effect of it. By deeply analyzing the role of residential mortgage loans in our economy, the writer draws a conclusion: residential mortgage loans-a very important way to improve the quality of banks estate; residential mortgage loans- a promoter to residence industry; residential mortgage loans- an effective method to promote internal need. The second part analyze the problems in the practice of residential mortgage loans and comes to a conclusion: the reason for false mortgage is imperfection of our government and financial system; the reason for low credit is the poor restriction of credit. The third part is about the measures to prevent residential mortgage loans. The first one is to perfect the system to prevent false residential mortgage loans. The second one is to build scientific personal credit evaluation. The third one is to make a good environment to disperse bank's risks.