CAJ | 학술논문

采用住房置业担保公司担保保证方式来取得住房公积金贷款，通常是居民买房融资的主渠道。近年来，乌鲁木齐市住房置业担保行业有了初步发展，但也暴露出了一些问题，如未足额提取担保保证金，缺乏充足的风险准备；存在垄断经营，企业管理和行业风险难以得到实质性改善等。乌鲁木齐市住房置业担保业务的发展方向是，应把自己定位为服务贷款人、公积金管理中心及银行类金融机构，以客户满意为价值导向，提供方便、快捷服务的专业化房地产金融服务机构。住房置业担保行业业务风险包括借款人的意外变故造成的风险、开发商经营不善造成的风险、抵押物处置困难造成的风险和政策性风险等。住房置业担保公司需根据借款人的征信、偿债能力、抵押物价值，和开发商的实力、房地产市场的发展趋势等作系统的研判，同时应完善企业内部管理制度，加强贷后管理，从而以此规避担保公司的风险。
채용주방치업담보공사담보보증방식래취득주방공적금대관，통상시거민매방융자적주거도。근년래，오로목제시주방치업담보행업유료초보발전，단야폭로출료일사문제，여미족액제취담보보증금，결핍충족적풍험준비；존재롱단경영，기업관리화행업풍험난이득도실질성개선등。오로목제시주방치업담보업무적발전방향시，응파자기정위위복무대관인、공적금관리중심급은행류금융궤구，이객호만의위개치도향，제공방편、쾌첩복무적전업화방지산금융복무궤구。주방치업담보행업업무풍험포괄차관인적의외변고조성적풍험、개발상경영불선조성적풍험、저압물처치곤난조성적풍험화정책성풍험등。주방치업담보공사수근거차관인적정신、상채능력、저압물개치，화개발상적실력、방지산시장적발전추세등작계통적연판，동시응완선기업내부관리제도，가강대후관리，종이이차규피담보공사적풍험。
Inhabitants usually acquire accumulation fund loans by asking the housing guarantee companies for vouching to buy their flats. The paper makes a research on the development of housing guarantee trade in Urumqi, Xinjiang and points out some problems about some guarantee companies in their developing processes. Based on the analysis, the author of the paper discusses the development orientation of the housing guarantee trade in Urumqi and provides some measures.