| 2. | But with the unceasing development of the housing loan total quantity and with the character of expensive value , the deadline long , the poor liquidity , the strong policy - type , as well as the housing loan business development time is not long in our country at present , the housing loan insurance , two levels of markets growth will be seriously insufficient , the commercial banks lack the risk disperser and the shift mechanism situation , they will cause the housing loan risk to accumulate day by day in the commercial bank and appear gradually
但随着住房贷款总量的不断增加和住房贷款本身数额大、期限长、流动性差、政策性强等特点,以及在我国目前住房贷款业务发展时间还不长,住房贷款保险、二级市场发育严重不足,商业银行缺乏风险分散和转移机制的情况下,使得住房贷款的风险在商业银行中日益积累和逐步显现出来。 |
