Regulation Of Housing Mortgage Loans In The Legal Mechanism

April 2007, the U.S. housing mortgage loans by subprime borrowers default and can not repay on time, triggering a series of crises, to the U.S. economy has brought a lot of damage, and spread to many countries of the world, referred to as "the meeting loan crisis. ". At the outbreak of the crisis in credit to our country is still in the development of real estate and housing mortgage market in the alarm out. China's housing mortgage loan business in recent years through the rapid development of competition, the total amount advanced by leaps and bounds .we get to see great achievements, great importance should also be a rational manner in which the various risks. So, to strengthen and improve the regulation of housing mortgage loans in the legal mechanisms to strengthen financial supervision and management of mortgage loans for housing sector supervision, give full play to its regulatory functions, and guide the housing mortgage loan business the sound development of the current becomes very important. In this paper, on China's housing mortgage loan business and financial regulatory authorities on the legal regulation of housing mortgage loans to study the mechanism of the status quo and, in conjunction with the U.S. sub-loan crisis of the Enlightenment, focusing on how to strengthen and improve the financial regulatory supervision of mortgage loans for housing legal mechanisms to circumvent the housing mortgage loan business in the development of the potential risks of housing mortgage loans guide the sound development of the business.In this paper, by the introduction, main body, conclusion of three parts. In this paper, by the following four main parts.Partâ… : The United States sub-loan crisis, as well as supervision of China's housing mortgage loans in the second part of the Enlightenment:Partâ…¡: China's housing mortgage loans and potential risks associated with the status quo.Partâ…¢: China's housing mortgage loan mechanism for monitoring the status and problems of legal analysis.Partâ…£: Improvement of legal mortgage regulatory mechanism.