论文部分内容阅读
“假按揭”现象已经暴露了我国在走向市场经济过程中政府部门和金融机构制度不完善、企业和个人法制意识不强的一面,它的存在对国家宏观经济构成了严重的威胁。一方面,“假按揭”大量占压了银行资金,极容易形成银行不良资产;另一方面,它造成了房地产市场虚假繁荣的表象,引诱社会上大量的资金涌入房地产市场。
The phenomenon of “false mortgage” has exposed the imperfect system of government departments and financial institutions and the weak awareness of the legal system of enterprises and individuals in China’s march towards a market economy. Its existence poses a serious threat to the country’s macro-economy. On the one hand, “fake mortgage” a large number of bank funds accounted for, it is very easy to form a bank non-performing assets; the other hand, it caused the false appearance of the real estate market and prosperity, lure the community a lot of money into the real estate market.