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发展我国个人住房抵押贷款 ,应借鉴国外成熟的风险控制技术和手段 ,建立风险控制系统。策略是 :( 1 )鉴于我国风险分散体系尚不完善 ,商业银行应保持适度的贷款额与房屋价值比例 ;( 2 )随着其他消费信用产品的开发 ,要综合考虑并确定还款额与收入比率 ;( 3)建立个人贷款的“信用评分模型”;( 4 )建立个人信用的联合征信系统。
The development of China’s personal housing mortgage loans should learn from foreign mature risk control techniques and means to establish risk control system. The strategy is: (1) Given that the risk diversification system in our country is not yet perfect, commercial banks should maintain a modest loan-to-value ratio; (2) With the development of other consumer credit products, comprehensive consideration and determination of the repayment amount and income Ratio; (3) to establish a personal credit “credit score model”; (4) to establish a personal credit joint credit information system.