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按揭贷款制度的核心问题是解决信息不对称问题。信息不对称问题的解决涉及外部监管与内部风控两个方面,同时包括基础业务、表外业务、系统性风险三个维度,由此形成了六方体系从而需要进行综合考量。
The core issue of mortgage loan system is to solve the problem of information asymmetry. The solution of information asymmetry involves two aspects: external regulation and internal risk control. It also includes three dimensions: basic business, off-balance sheet business and systemic risk, which forms a six-party system and thus needs to be comprehensively considered.