The Study Of Housing-mortgage Risks On Information Asymmetry

As a main tool of housing finance, individual housing mortgage accounts for a great proportion of the consuming credit line, and the line of credit is gradually growing on the mortgage market, the finance department faces more risks because of the information asymmetry. Recently, the finance department gradually realizes the harmfulness of the risks, Academia make amounts of studies about housing mortgage. But theren't more research of housing mortgage on information asymmetry. The implementation of mortgage securitization can control the risks to some extent. But it must be perfected gradually. Meanwhile, building and perfecting the individual credit system, innovating the housing finance tools and perfecting mortgage insurance mechanism are important initiatives to control and prevent risks of housing mortgage in china.Firstly, the thesis introduces the housing mortgage situation and risk status; then analyze the detailed kinds of housing mortgage risk; and deeply research the effect of housing mortgage market that made by information asymmetry. By the end, on the basis of learning advanced experiences from developed countries, and sucking the lesson of second-mortgage crisis in American, the thesis proposes several methods to prevent risks of housing mortgage aiming at the statues of china.