Housing Home Security Institutions And Standardize Management

Today, the development of the national economy is so fast, China's real estate has always been a sensitive and timeless topic. Government has used all means to try to affect the price,but has no significant results,so how to avoid the loans risk has become particularly important.Recently,gavernment issued series policies to against the speculations of real estate.Provides the loan ratio and interest rate of family house.It makes peoples focus on the change of house price.Nowadays,the situation of real estate guaranty companies is mixed and has so many problems.How to deal with these problems is the important thing to the loan of estate guaranty and people's livelihood.The paper described the means of real estate gurantee agency, reviewed the histroy and the current situation of it, and indicate this industry have some problems such as unclearly position,lacking legislation,lacking access-mechanism and regulatory mechanism.The paper analysis tow case of them. The 1st case points out the problems of this industry:Unequal status with financial institutions,lack of risk control of personal Loans, the 2nd case points out the problems of management:reversing the process, financial vulnerability and defective contract.Finally,the author points out another problem by collecting information:lack of evaluation System of ratings,hard to avoid the regional risk, charge confusion and the unreasonable fanancial operation. To solve these problems,the author used the way of survey, observation and research. Conclude the reasons of these problems and give some methods to solve them:Improve the supporting laws and regulations,build the system of mainly policy-real estate guarantee agency and Supplemented other guarantee agency, manage them unified, real-time monitoring,and another suggestion is regulation of the internal management of these agency.Improving the process,updating the information system. Enhance the communication of land department,real estate department,housing fund center and banks.The paper suggest how to improve the management of the real estate guarantee,it tries to find a continue-developed and gives the reference to the personal loans of banks and the real estate market wich could help their healty development. To make good ralationship between the banks and real estate agencis,and keep the Sustainability of it.