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1、沈阳建筑大学硕士学位论文住房公积金制度与贷款风险防范研究姓名：白瑛琦申请学位级别：硕士专业：建筑与土木工程指导教师：刘亚臣;赵昱2011-03AbstractHousingfundreferstonationaloffice,state-ownedcompany,towncollectiveenterprises,foreigninvestmententerprise,townprivateenterprise,institution,apeople-runnon・enterpriseunit,socialo
2、rganizationsandon-the-jobworkerpayputslong-termhousingsavings.China'shousingfundiscarriedoutintheprocessofhousingsystemreform.AndthefullimplementationofthehousingfundsystemdecisionwasmadeinJuly,1994.Establishingworkerhousingaccumulationfundisonekindofmeasur
3、esfortheimplementationofhousingsystemreform,withthepurposeofsolvingworkers5housingdifficultiesbythestate,thecollectiveandtheindividual.Accordingtotheregulation,theworkerswhosavehousingfundhavetherightstoloanandapplyforhousingfundloanundertherelevantrule.Thr
4、oughmanyyearsofpractice,werecognizethatimplementationofhousingfundplayanimportantrolethatestablishingworkerhousingaccumulationfundroleistoraisehousingfund,toimprovethepurchasingandconstructingability,istransformhouseswelfaredistributionintohousecurrencydist
5、ribution.Housingfundisonekindofobligatestockpile・Itisinaccordancewithstatepolicy,buildingpersonalhousingconsumptionfundsthroughpersonalstorageandenterprisehelp,speciallyusedforindividualhousepayingcosts.Thethesisisdividedintosixchapters.Thefirstchapterisint
6、roduction.Thesecondchapteristheformationofhousingfundsystem.Itexpoundstheprocessofhousingsystemreformation,preconditionsandoriginalintentionofhousingfundsystem・Thethirdchaptersummarizesandclassifiesthemaincharacteristicandoperationmodeofhousingfund.Thefourt
7、hchapterintroduceshousingfundloanrisksandmortgagestatus.Thischapterisdividedintotwoparts.Thefirstpartdivideshousingfundloanriskintosystematicriskandnon-systematicrisk.Systemicriskisdividedintopolicyrisk,legalriskspurchasing-powerrisk,realestatemarketrisk,wh
8、ileasystematicriskisdividedboiTowercreditrisk,liquidityrisk,developeroperationriskandthemortgagedpropertyrisk.Thesecondpartgivesadeepexplanationforhousingfundmortgageloanstatus.Thischapterisdividedinto
