我國個人住房抵押貸款問題探討.pdf

1、華中師范大學碩士學位論文我國個人住房抵押貸款問題探討姓名：覃剛毅申請學位級別：碩士專業(yè)：區(qū)域經(jīng)濟學指導教師：鄧宏乾2000.5.1ABSTRACTMortgageisaveryimportantpartofhousingfinanceThedevelopmentofchina’SMortgageisveryfast，buttherearemanyproblemsBasedonthebackgroundandhistoryofChina’

2、Smortgage，thepaperanalysesthemainproblemsinChina’smortgageForeexample，thepropertyofmortgagedrealestateisillegibilitythetoolofmortgagelacksinnovation，theinnersoftenvironmentofbankrestrictsthedevelopmentofmortgage，thedevel

3、opmentofmortgageisslowandimbalanceThepaperdiscussesmainobstaclesinChina’SmortgagedevelopingTherestrictionofmacroscopicfactors，thecontradictionbetweenhousingpriceandpeople’sincomeandconsumebehaviorthelimitationofmarketstr

4、ucturearethosemainobstaclesAimedatmainobstaclesofChina’Smortgage，usedtheexperiencesi11mortgagedevelopingofothercountries，forexample，Americaforreference，basedonthefactofChina’Smortgagedeveloping，thepaperpointsoutthatindev

5、elopingmortgage，first，weshouldsetupflexiblemortgagetoolsEspeciallyweshoulddesignmortgagetoolsbasedonlife—periodstheorytomeetthedemandsofpeopleindifferentagephasesSecond，weshouldestablishmortgagevouchcompanybelongingtogov

6、ernmentandcommercialvouchcompanyThird，weshouldestablishthesecondmarketofmortgagegraduallyandadoptdifferentmortgagesecuritizationmodeindifferentphasesFinallygovernmentshouldgivemoresupportforhousingfinanceKEYWORDS：Mongage