第二部分——个人住房抵押贷款风险防范与个人信用征信制度。
Section two: the risks prevention system of individual housing loan and the individual credit reporting system.
住房抵押贷款的风险等级评估是住房抵押贷款风险信用管理的重要内容。
The result shows this model provides important guidelines to banks management on residential mortgage loans credit risk rating evaluation.
对提前还款风险的研究和控制，已经成为个人住房抵押贷款风险管理的重要课题。
Thus, the study and control on the prepayment risk has become a key research subject of the risk management of personal housing mortgage loan.
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