The Study On The Function Of Loan Guarantee Of Housing Provident Fund In Changsha City And Its Development Countermeasures

Housing accumulation fund loan guarantees are born with China's housing system reform in about 1998.Until May 2000,the ministry of construction,the people's bank of China jointly issued the "tentative management measures for the housing real estate guarantee" has basically established its institutional framework.As an important part of real estate housing finance,housing accumulation fund loan guarantee system has influence and play an important role in many aspectsfor Banks,the borrowers that buy.a house,housing real estate guarantee company,real estate developers,even including the real estate macroeconomic regulation and control.But as a result of housing accumulation fund loan guarantee developed in our country is not long,lacking of relevant laws and regulations lead to housing real estate collateral management chaos,making it difficult to exert its positive function effectively.This paper take the housing provident fund loan guarantee as the research object.In the research on the basis of relevant theories,combining with the real cases in Changsha city housing accumulation fund loan guarantee agencies,using the method of empirical analysis and normative analysis,concretly analyze the operating mechanism and function mechanismhangsha of Changsha accumulation fund loan guarantee agencie.Then based on the existing of accumulation fund loan guarantee market research,we find the poor guarantee agencies still exist in the external environment and internal construction defects such as inadequate,embodied in the lack of regulation,law,risk prevention and control ability is not strong,the problems such as nonstandard operation of guarantee agencies.The existence of these problems to a certain extent,hampered the accumulation fund loan guarantee function of the play,and some people so for accumulation fund loan guarantees the rationality of the existence also questioned,this paper argues that accumulation fund guarantees the rationality of existence is verified,but puts forward appropriate solutions for these problems make the accumulation fund loan guarantees better play to its function is of great urgency.Finally,aiming at perfecting the housing guarantee system of real estate section,in this paper,considering the accumulation fund loan guarantees in the process of the reform is bound to encounter many uncoordinated and reform period,this paper carried out the specific case study,finally puts forward the points of accumulation fund loan guarantee function optimization countermeasures:to establish a perfect supervision mechanism;Establish a system of laws and regulations;Increase risk prompt,strengthen risk prevention and resolve;Give full play to the decisive role of market in financial resources allocation.