我国住房公积金个人贷款资产证券化风险监控研究

摘要

住房公积金贷款由于低利率的特点已经成为购房者的首选,保证公积金贷款资金的充足显得极为重要.文章分析了我国住房公积金资金供需现状,提出了公积金个人贷款资产证券化方式提高公积金资产供给量;根据风险控制理论,分析了公积金个人贷款资产证券化过程中存在的风险,并提出了具体的风险监控措施.%Housing accumulation fund loans due to the characteristics of low interest rates has become the first choice of property buyers,so to ensure sufficient provident fund loans is extremely important.The article analyzes the current situation of supply and demand of China's housing fund,puts forward the way of provident fund personal loans asset securitization to increase fund assets supply;according to the risk control theory,analyzes the risk of fund personal loans in the process of asset securitization,and puts forward the specific risk control measures.