论我国房地产按揭中银行风险的法律防范

随着我国房地产业的发展,房地产按揭这种新的融资购楼方式日渐普遍。但按揭在我国毕竟是新生事物,相关的法律法规并不完善,因而给实际操作带来很大不便。尤其是贷款银行的权益很难得到有效保护。有鉴于此,笔者以此为研究对象,通过对房地产按揭涵义及法律特点的剖析,重点探讨贷款银行风险的法律防范问题。在此基础上,借鉴发达国家的先进经验,具体结合我国当前房地产按揭的现状,进而提出为完善我国贷款银行风险法律防范的建议措施。

ON LEGAL PRECAUTIONS OF RISK OF THE BANK IN CHINA''S REAL ESTATE MORTGAGE

In recent years,with the development of real estate of our country,real estate mortgage such new financing purchase floor to be way day by day general.But mortgage is the new things after all in our country,the relevant laws and regulations are not complete,therefore bring very great inconvenience to practical operation.Especially the rights and interests of the lending bank are very rare to protecting effectively.In view of this,I regard this as the research object,passes the analyses of the mortgage meaning of the real estate and legal characteristic correctly,the law of probing into the risk of lending bank especially takes precautions against the question.On this basis,use the advanced experience of the developed country for reference, combine the current situation of the present real estate mortgage of our country specifically, and then put forward it in order to improve the suggestion measure that the risk law of lending bank of our country takes precautions against.