Do they suggest that we are looking at a repeat of 1998 , when long - term capital management , a hedge fund , wobbled , or at 1990 , when there was a financial crisis at savings - and - loans banks , then the main providers of american mortgages 他们是否让我们重新看到1998年，那对冲基金，长期资本管理陷入困境，还是1990年代时在美国担任提供房贷的主要角色储贷银行所带来的金融危机呢？
It pointed out that , in order to resolve the concentrated problems of personal living house mortgage loan risk , should refer to foreign legislation to establish the law system about personal credit management , modify present practical law and work out program law to perfect the law system to carry out the mortgage right of personal living house mortgage loan , so that the preparation is made from the respect of law for favorably developing the personal living house financial system and protecting the benefit of loan bank of our country 指出：为解决个人住房抵押贷款风险集中的问题，应参考国外的立法构建关于个人信用管理的法律体系；修改现行实体法并制订程序法以完善个人住房抵押贷款之抵押权实行的法律制度，从而为我国个人住房金融体制的良性发展和贷款银行利益的保护从法律层面作好准备。
The first part mainly introduces the law characteristics and law relations of personal living house mortgage loan , makes research and discussion for establishing the mortgage right and the effect of mortgage right of personal living house mortgage loan , in which , the special responsibility of the loan bank of the mortgage loan is primarily approached , introduces the developing situations of the personal living house mortgage loan of loan of our country , mainly analyses the risk and the source of risk of personal living house mortgage loan , points out that the risk of personal living house mortgage loan mainly comes from the credit risk of the house buyer , the risk to realize mortgage right and the risk to treat the mortgaged house 第一部分，主要介绍了个人住房抵押贷款的法律特征和法律关系；对个人住房抵押贷款的抵押权的设定、抵押权的效力进行了研究和论述，其中对抵押贷款中贷款银行的特别责任进行了初步探讨；介绍了我国个人住房抵押贷款的发展状况，重点剖析了个人住房抵押贷款的风险、风险来源，指出个人住房抵押贷款的风险主要是来自购房者的信用风险、抵押权实现的风险、抵押房产处置的风险。
