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国家发展计划委员会政策研究室主任郑新立提出,应把“荷兰模式”引进中国,作为一种新的融资模式进行探索。只有不同制式的磨合、竞争,才能产生更适合中国国情的、具有顽强生命力的住房融资新机制。 郑新立指出,当前中国个人住房抵押贷款业务进展缓慢的原因,主要缘于它本身存有三种风险,即贷款人还贷能力的风险;住宅本身不可抗拒的灾害风险;还款人本人的生命风险。这三种风险如不通过保
Zheng Xinli, director of the Policy Research Office of the State Development Planning Commission, suggested that the “Dutch model” should be introduced into China as a new financing model. Only with the break-through and competition of different standards can a new housing finance mechanism with a strong vitality be more suitable for China’s national conditions. Zheng Xinli pointed out that the current slowdown in China’s personal home mortgage loan business is mainly due to its own existence of three risks, namely, the risk of repayment ability of lenders; residential irresistible disaster risk itself; the life of the repayment of the risk. If these three risks are not guaranteed