Protection Of Bank Right And Interests In The Mortgage Of Commodity Apartment

In our country,the real estate mortgage loans business has developed with high speed in recent years and by the end of 2008,China's real estate loans has reached 3000 billion yuan,accounting for about 12%of GDP.With the outbreak of the international financial crisis,the borrower defaulting risk of real estate mortgage loan has been the rise of the trend,bank's non-performing loans would surge if real estate price fluctuated.At present,the imperfect mechanism of the mortgage loan and the weak financial systems of real estate makes real estate mortgage banking interests at risk.Therefore,it's time to strengthen risk control of mortgage loan.At present,legislation on the mortgage is still a clear gap,the risk of bank mortgage is mainly from three aspects:micro-management,national macroeconomic policies and laws.To control the risk of Micro-management,banks should not only improve the relevant procedures and systems,but also to the concept of the effective implementation of the system to the specific acts are.And derived from the state's macroeconomic policies,laws,levels of risk,you can through insurance or the terms of the design spread the risks.Real estate for China's pillar industries,the mortgage loans the banks have not simply to protect the rights and interests of the Civil Code of the debt problem,it relates to the basic livelihood of the community and financial stability,national real estate mortgage loans should be strengthened macro-control, improve China's real estate financial system,Bank of mortgage loans in order to achieve effective protection of the rights and interests.