我国住房抵押贷款市场主体角色分析

探讨了住房抵押贷款市场主体——政府、金融机构和保险公司的功能与作用。提出政府不仅要为住房金融的发展提供良好的外部环境,制定政策法规,还应发起或出资成立官方或半官方金融保险机构,站在“最终贷款者”的地位上,给借贷双方以信心。我国的金融机构应改变传统的经营观念,勇于创新,设计多样化的金融品种并强化配套服务功能。保险公司应以其自身信誉为银行抵押贷款承担风险,形成有序的住房抵押贷款保险机制。

Analysis of the Roles of the Principal Bodies in the Market of Housing Mortgage Loan

This paper is devoted to discusing the functions and roles of the principal bodies in the market of housing mortgage loan: the government, financial institutions and the insurance companies. It is suggested that the government should not only provide healthy environments for the housing financial development but also work out or make investment to establish official or semi-official financial insurance organs to give confidence to both sides of the housing loan. The financial institutions should come to change the traditional ideology of the long-accustomed business, take innovative measures to design a variety of new financial ones and to strengthen the complete service functions. As for the insurance companies, they should come to bear, with their own credits the financial risks for the mortgage loans of the banks, to develop a regular insurance system for housing mortgage loans.