China's housing finance has become a growing concern of the subject. Housing not only involves people's livelihood achievements, also has great role in promoting the national economy, a healthy organizational system, improvement for superior housing finance system is mainly on the real estate industry and civil economic growth. China's housing finance has started late, whether it is the market organization system, operation mechanism, so the design of housing finance products, are not perfect. At present our country has not set up the perfect housing finance system, the housing finance institution variety is less, the housing finance channel's single in the future can not be very good to meet the needs of housing costs of housing. At the same time, China's current housing finance product design is also absolutely single, home buyers can choose the product side is relatively small, the authorities on the purchase of housing is not enough to show the effectiveness of the government subsidies and housing finance product cost must be more useful. After the purchase of housing financing can be chosen in the form of three kinds of important form of trade credit, provident fund, trade credit and the form of the combination of the form of provident fund. This paper discuss the form of housing savings, housing is a new form of financing in addition to the three form, it requests the borrower first to a certain percentage of the savings, savings amount reaches a certain premise to request deposit, so it is also called "after the first deposit loan form. This kind of "after the first deposit loan form the Su Xing originated in Germany, and later in the European nations have implemented. With the form of trade credit, "the first deposit and loan" is not an important channel for the purchase of housing financing, but as a housing deposit market to help form, the housing fund has played a major role in the purchase of capital. In Germany, many families buy Heng Yujun to take a combination of deposit in the form of trade credit and housing savings, "after the first deposit loan form also occupied a stable share in housing deposit market. This kind of "first deposit and loan" in the form of the operation of housing savings banks, this chapter from the perspective of housing savings bank, the specific introduction of the "first deposit and loan" form of growth and operation of the source. In this paper, the important research point of view that the housing savings bank of this kind of "after the first deposit loan form is profitable from the borrower's perspective, the fixed interest rate can be the most Nianye restrictions from market interest rate risk in the shake, enjoy low interest rate deposits can also enjoy fruitful government subsidy policy; from the perspective of the banks, housing savings risk can form useful, lock the capital cost, useful down the banks face interest rate risk, liquidity risk and credit risk. Housing savings banks as a professional housing finance institutions, the housing finance market is the main component of the growth of housing finance can provide a new channel, and can be useful in the housing finance market, a single product design. The product design and the housing savings bank for residents to purchase subsidy policy integration, beneficial to enhance the authorities cast in the housing finance market in a more adequate encouragement effect. At the same time, the housing savings bank loan growth is beneficial to improve the credibility system of our country, also helps to promote a superior housing spending habits. The relevant research of the housing savings bank has the important practical and practical significance to promote the growth of the housing finance system in our country. But at present our country housing savings bank's growth condition is actually not the fantasy. Since our country is only a housing savings bank -- the German Housing Savings Bank was established in Tianjin in 2004, as a result of product design, sales support can form complex degree is low, not professional personnel essential reason did not recognize China's residents, up deposit and the bank has not the scope of deeds too much fantasy. This article from the Sino German Housing Savings Bank's product design, focused on the research of the deposit product, the deposit product of the contract, and its deposit products and housing provident fund to do a comparison, analysis of the advantages of housing savings banks and their products are not the cause of China's residents. At the same time, the paper also analyzes the various financial risks and competition of the housing savings banks, and puts forward the suggestions on the future development of the housing savings bank. In this paper, the housing savings bank from the micro view of the product to the micro analysis of the future development of the future to make a contribution to the future development of China's housing finance system has strong practical significance and practical significance. In this paper, the operating principle of the German Housing Savings Bank, the important use of the actual research and case analysis of the combination of research methods, a profound discussion of the housing savings bank of China's growth form. The main body of the article to the Sino German Housing Savings Bank of the case analysis of the object, the analysis of housing savings bank deposit product contract design, through a series of comparative studies, to discuss the housing savings bank in China's growth is difficult, and put forward the future development of the form of 目录: |
