我国商业银行个人住房贷款风险及防范研究.pdfVIP

要 自从20 世纪 90 年代末以来，我国个人贷款业务呈现了快速发展的势头。个 人贷款业务持续发展，贷款余额不断上升，表明我国的个人贷款业务已进入市场 高速成长期。但与此同时，由于个人贷款业务在我国商业银行属于比 新兴的业 务，个人贷款业务风险管理没有现成模式可以利用，因此没有形成完整的独立体 系。在我国商业银行个人贷款业务高速发展的现状下，现有风险管理体系已经不 适应个人贷款业务风险管理的要求，急需对现存的风险管理体系进行改善和提高。 本文在回顾我国住房信贷的发展情况基础上, 运用因素分析、应用研究等方法 对商业银行个人贷款业务风险的现状及风险管理影响因素进行认真、深入探讨， 同时结合对美国次级贷款危机产生的原因、传导的分析, 以住房信贷面临的风险为 主线, 从商业银行个人贷款业务的信用风险、操作风险及市场风险入手，吸收和借 鉴了国内外金融学者和银行界人士的研究成果，从实际出发，突出针对性和可操 作性，提出个人贷款业务风险 范具体对策，包括建立社会征信体系，建立个人 诚信体系， 建立银行风险内部控制体系，构建政府宏观政策调控体系。 关键词：商业银行 住房贷款 风险防范 1 Abstract Since the late 1990s, the personal loan business in our country has witnessed rapid growth. The continuous expansion of the personal loan business and the nonstop rise of the amount of loans for individuals have clearly shown that the personal loan business in our country has entered a high-speed growth era. But meanwhile, because the personal loan business is a rather new business for the commercial banks in our coutry, its risk management is unprecedented and still has not formed a complete independent system in our country. With the quick growth of the personal loan market, the present risk management system for this business is now not powerful enough to satisfy the risk management requirements and it has become urgent for the commercial banks in our country to improve and upgrade their risk management systems. Based on the the development of our countrys housing credit business, and using many methods, such as factor analysis and applicable research, this thesis has carried out a detailed and deep discussion about the present situation of risks and influential factors of the risk management of the commercial banks personal loan business. Co