Housing Fund Loan Risk Causes And Preventive Measures

The housing fund system had been developed for 16 years and gradually became the core of policy finance in our country. Because the development time of the housing fund system in our country is short, and the original intention of setting up this system is for city and town housing institutional reform, it had been mainly designed to inclined to the rights and interests of the staff and worker. As a result, this system was handled with a centre of depending on system extension, and the risk precaution has been ignored for a long time.The vicarious liability is discussed systemically from macroscopic and microcosmic view, and integrating the theoretical analysis with demonstration analysis, the author has listed in the analysis to the causes of the loan risks from housing fund. The writer gives some suggestions about loan risks from housing fund with introduction to policy housing finance in German and Singapore through absorbing and studying their policy placement in favour of the preventions of loan risks.The most remarkable features of the dissertation consist of:The first is in this paper, the author has listed in the analysis to the causes of the loan risks from housing fund, has analysed the hidden trouble of risks there existing in reality comparatively all round , and has pointed out the problem that exist in current management and controlling of risks objectively.The second is the positivism method taken in the dissertation. The vicarious liability system is discussed not only theoretically but also in way of positivism. The author has drew lessons from the successful experience of other countries in order to take out some principles scientifically. The third is the thesis have carried out the innovation in article conclusion, which not only points out the countermeasures that the Housing Fund Management Center can adopt at present, but also from developing the housing fund system and saving the social resources angle, with cautious , objective attitude, puts forward the notion of dividing the responsibilities of collecting funds and giving out loan into two different organization. In this paper, there still have the space of investigation and discussion.