【摘要】 抵押房屋遭遇征收事项时会面临不同程度的偿付时效性风险、协议履行中断风险、担保资产价值波动风险、融资租赁债务传导性风险、地方政府偿债流动性风险，这不仅关乎到金融机构与土地财政，也影响着房地经济稳定与宏观经济韧性。据此，研究指出需进一步提高抵押房屋遭遇征收类事件的风险应对能力，防控抵押物灭失与抵押权悬空风险，并从事前防范和事后化解的角度提出风险疏控路径。更多还原

【Abstract】 When the mortgaged house encounters expropriation,it will face different degrees of repayment timeliness risk,agreement performance interruption risk,collateral asset value fluctuation risk,financial lease debt transmission risk,and local government debt repayment liquidity risk. This is not only affects financial institutions and land finance,but also affects the stability of the real estate economy and macroeconomic resilience. It is necessary to improve the risk response ability of mortgaged houses in the event of expropriation,prevent and control the risk of collateral loss and mortgage suspension from the perspective of preprevention and post-event resolution.更多还原