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个人住房贷款中存在道德风险和逆选择。应通过完善相关法律法规和社会保障制度 ,提高赖账机会成本 ,设计合理的激励体系 ,避免道德风险的发生 ;同时建立个人信用制度 ,改变逆选择的局面。
There are moral hazard and adverse selection in personal housing loan. It is necessary to improve the relevant laws and regulations and the social security system so as to raise the opportunity cost of making a loan and design a reasonable incentive system to avoid the occurrence of moral hazard. At the same time, a personal credit system should be established to change the situation of adverse selection.