Individual Housing Mortgage Banking Risk Prevention And Control Research

Personal housing mortgage system to rise in Hong Kong in 60' s. In 70' s, this system is expanded strongly, is a kind of margin method that flourishing nation in world and real estate financial market in region make use of extensively now. This system is abroad and Hong Kong is a lawmaking or a judicial aspect to have already compared maturity regardless. At the beginning of 90' s, personal housing mortgage to stream into our country inland. Reform along with our country housing system in the last few years most of continuously thorough with the quick development of the real estate industry, this kind of buys the building method to have become our country the necessary means in the housing system. But has no explicit define to the law content of" mortgage" because of the our country, cause our country currently regardless and theoretically still actual situation in all more confusion, result in to mortgage market thus of without preface. In the meantime, its conduct and actions is a kind of means of margin, Be the merchandise building with guarantee while set mortgage contract for expect building. At whole mortgage for period, the occurrence of various factitiousness or accident makes the loan bank bear huge risk, but our country personal housing pressed the imperfection of the mortgage theories and law system further enlargement this kind of risk Therefore, the bank can control and dissolve the stability that this kind of risk not only relates to personal housing to press the positive development of the mortgage system but also relate to our country financial market effectively.Have owing to this, writer' s selecting by examinations personal housing to press the risk of the loan bank in the mortgage business and guarding against is a research object, investigating the risk that this system circulates medium bank by period and guarding against, control the law plan of the this kind risk.