Discussion on Risk Management of the Mortgages of Personal Mortgage Loan
In our country, for mortgagees, the implementation of the mortgages of personal mortgages loan is limited to three ways: selling at a reduced price、 auctions and selling off. But implementation of the mortgages has a lot of problems, such as heavier burden to dispose and cash collateralized property、limited methods of implementation of the mortgages、 mortgagees heavy social responsibility and so on, which has been potential risk to be controlled. The author has suggested the measures from three respects: make use of factoring to dispose and cash collateralized property, loosen restrictions of using statutory interest to pay back the debt and perfect the low-cost housing system, and hope to offer some reference for perfecting the risk management of the mortgages of personal mortgages loan.
personal mortgage loan mortgagee mortgagor collateralized property
XING Miao
College of Economic and Management, Shandong University of Science & Technology,Qingdao, Shandong, P.R.China, 266510
国际会议
The 1st International Conference on Sustainable Construction & Risk Management(首届可持续建设与风险管理国际会议)
重庆
英文
672-676
2010-06-12（万方平台首次上网日期，不代表论文的发表时间）