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Personal Housing Mortgage Loans Risk Spreading Mechanism

Posted on:2006-07-27Degree:MasterType:Thesis
Country:ChinaCandidate:Q ZhangFull Text:PDF
GTID:2206360152985729Subject:Finance
Abstract/Summary:PDF Full Text Request
With the development of housing system's revolution inchina, more and more people tend to buy the houses throughborrowing money from banks. The personal housing mortgage loanhas been on the increase with higher potential risk in recentseveral years. The author is trying to build suitable risktransfer system of personal housing mortgage loan of ourcountry. The risk transfer system should accord with thesituation of china and be based on the domestic conditions andoverseas experience. This dissertation consists of four chapters: The first chapter analyzes the risks of personal housingmortgage loan. The objective of writing the dissertation is tofind out the risk transfer system of personal housing mortgageloan, so the dissertation begins with the analysis of the risks.The risks are classified into two kinds: insurable risks anduninsurable risks, which are defined by insurance companies.Risks of personal housing mortgage loan can be transferred bytwo ways, one is buying insurance, and another is thesecuritization of housing mortgage loan. The second chapter tries to introduce and analyze the risktransfer system and the securitization of housing mortgage loanin foreign countries; it then gives some views on supportingsystem of risk transfer system. The third chapter illustrates personal housing mortgageloan conditions of our country. It has three parts; the firstpart tries to show the developing process of personal housingmortgage loan of our country. Personal housing mortgage loanmarket of our country is developing with the housing systemrevolution. The second part is a research on conditions of risktransfer system in our country. In the third part, it pointsout several problems of risk transfer system of personalhousing mortgage system in our country. The fourth chapter is a research on designing risk transfersystem of personal housing mortgage loan insurance systemsbased on the analysis of abroad experience and specificcircumstances of our country. This chapter is the core part ofthe dissertation. At first, it designs risk transfer system ofhousing mortgage loan of our country, at last, it tries toillustrate how to build some subsidiary systems, which includethe personal credit system and the securitization of housingmortgage loan. More and more risks appear from the personal housingmortgage loan market in our country, so the research of buildingits risk transfer system has very important meaning both ontheory and practice. The main contribution of this dissertationis proposed a personal housing mortgage loan and its subsidiarysystems which are appropriated with our country's specificcircumstances. The author wishes the dissertation would givesome integrated and systemic suggestions on building the Risktransfer system of personal housing mortgage loan of ourcountry.
Keywords/Search Tags:Personal Housing Mortgage Loan, Risk transfer system, Risk of Loan, Credit Risk, The Securitization of Housing Mortgage Loan
PDF Full Text Request
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