商业银行个人住房贷款风险分析.pdfVIP

要 1985 年至今，个人住房贷款发展成商业银行重要的贷款产品，成为商业银行 经济增长点。2007 年美国次贷危机对我国有警醒作用，虽然我国还不会出现次贷 危机，但我国个人住房贷款问题越发严重，个人住房贷款风险逐渐暴露，对于个 人住房贷款风险研究有助于加强个人住房贷款风险防范，有利于商业银行根据风 险程度开展个人住房贷款，减少风险，提高盈利，根据风险产生机理提高我国商 业银行竞争力，促进个人住房贷款市场发展，拉动内需。 近几年，我国个人住房贷款在迅速发展的同时其风险也在逐渐暴露，为了保 障现有市场环境下个人住房贷款的稳定健康发展，商业银行的风险的防范越来越 重要。对国内商业银行个人住房贷款风险及防范进行研究，目的是加深对个人住 房贷款风险的认知，加强对个人住房贷款风险的防范。本文第一章是引言部分， 主要介绍研究背景，研究意义，国内外研究现状，文章结构安排，研究方法和创 新点。第二章重点介绍了现阶段商业银行个人住房贷款风险分类。本文将现阶段 商业银行个人住房贷款风险主要分为信用风险、个人住房贷款抵押物的风险、法 律风险、银行管理内部风险和其他风险五大类。第三章主要阐述了个人住房贷款 人的理性违约模型分析，开发商策略选择，个人住房贷款市场逆向选择模型分析， 造成假按揭原因四个方面。第四章以江西J 行某一支行为例，运用SPSS 软件进行 主成分分析，对商业银行个人住房贷款风险影响进行实证分析。第五章主要阐述 了我国个人住房贷款市场的信息不对称，个人信用体系的不健全及其影响和商业 银行个人住房贷款管理制度不够完善三个方面原因。第六章提出相关对策，以减 少个人住房贷款风险产生，主要从我国商业银行个人住房贷款风险内部和外部防 范两方面提出具体措施。 关键词：个人住房贷款 风险管理 商业银行 3 Abstract From 1985 until now, loan of individual housing loan development into commercial bank important products and become the commercial bank s economic growth point. In 2007, the American s subprime mortgage crisis has the warning function to our country. Although our country exists the problem of subprime mortgage, the personal housing loan problem has become more and more serious in our country and personal housing loan risk exposed gradually. In terms of the personal housing loan risk research helps strengthen the personal housing loan risk prevention, it is helpful for the commercial bank based on the risk of the individual housing loans, reduce risks, increase profitability, based on the risk mechanism to improve the competitive ability of the commercial bank. As a result, to promote the personal housing loan market development and meet the requirement of the internal bank. Recently, the China s rapid development of personal housing loan is also in