There are many advantages for our country ' s system . basis on the four part , the five part constructs newly personal house mortgage loan hypothecation system 这两个国家的担保体系对我国个人住房贷款担保体系的构建具有现实的借鉴意义。
First , the concept of housing mortgage loan insurance is given , and three kinds of housing mortgage loan insurance are categorized to clarify its meaning 第二部分从两个方面对美国、加拿大、法国和英国的住房抵押贷款保险体系进行介绍和分析。
It also analyzes in detail the current situation and problems in policy - related residential credit business , residential accumulation fund and the housing mortgage loans 对政策性住房信贷业务、住房公积金和商业性的个人住房抵押贷款的现状、问题进行较为详细的分析。
From the theory and operating mechanism of the housing mortgage loan - securitization , the paper analyzes the practical meaning of the housing mortgage securitization idea 本文从住房抵押贷款证券化的一般原理和运作机制出发,分析了住房抵押贷款证券化思想在我国运用的现实意义。
As a new means of financing and system , house mortgage loan securities was result of financial innovation in last century 70s , it had got great success 作为一种新型融资手段或体制，住房抵押贷款证券化是20世纪70年代金融创新的结果，经过几十年的发展，已在美国等不少国家获得巨大成功。
To reduce the risk of housing mortgage loan , the author proposes that it is imperative to perfect housing mortgage loan insurance and to build a system of housing mortgage loan insurance 笔者认为，完善住房抵押贷款保险，并构建住房抵押贷款保险体系，是化解住房抵押贷款风险势在必行的措施。
However , my so - called commercial housing mortgage loans and collateralized mortgage different . so i tried to introduce civil law for the security system and to resolve the problem 对让与担保的概念、特征、让与担保的性质,让与担保的要件和与让与担保相似的几个法律制度的区别分别予以了探讨。
The fifth part : on the basis of the fourth party , analyzing the barriers to fulfilling the securitization of housing mortgage loan in china and set forth the suggestions in the sixth part 第五部分是结合第四部分的研究，对我国实施住房抵押贷款证券化的障碍进行了分析，并在第六部分提出了政策建议。
Finally , the author analyzes the risks in securitization and proposes that the first market of housing mortgage loan must be perfected in order to develop the secondary market 在此基础上，得出的结论是防范此业务中的风险应完善和规范住房抵押贷款一级市场，积极培育发展住房抵押贷款二级市场的配套的外部环境。
From a micro - view in personal housing mortgage loan , the bank faces or will face the shortage and singleness of the fund , risk concentration , small size , short term and bad liquidation and so on 从微观上来看，目前银行在个人住房抵押贷款问题上面临或将要面临资金来源不足、单一；风险集中；规模小、期限短；流动性差等困境。
