个人住房贷款风险及防范研究--以九江建行为例.pdfVIP

要 近年来，伴随房地产市场的快速发展，我国商业银行个人住房贷款规模快速 膨胀，同时也暴露出许多问 ，面临多种风险。在这样的背景下，总结美国次贷 危机的经验教训、充分认识并有效防范个人住房贷款风险具有十分重要的意义。 本文以当前国内商业银行大力开展个人信贷业务的现状为前提，对个人住房 贷款的风险及其相关理论进行了阐述，将当前个人住房贷款主要风险类型归纳为 银行操作风险、借款人信用风险、开发商及开发项目风险、抵押物风险等八种类 型，并对其风险成因进行深入剖析。文章分析了建行个人住房贷款经营管理模式， 并对九江建行风险管理现状及存在的主要问 进行深入探讨。在分析美国次贷危 机成因的基础上，本文着重研究了美国次贷危机对我国个人住房贷款风险管理的 启示。根据分析和现实考察，本文提出了商业银行个人住房贷款风险防范和控制 措施，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 控制体系， 构建政府宏观政策调控体系。 关键词：个人住房贷款 信用风险 防范 1 Abstract In recent years, with the rapid development of real estate market, the scale of individual housing loan has extended extremely in commercial banks in our country, and meanwhile, many problems were exposed and some risks emerged. Under such background, it is of great significance to summarize the experiences and lessons of U.S. subprime mortage crisis, and prevent the risks of individual housing loan.effectively after the adequate awareness.. On the premise of the fact that the domestic commercial banks vigorously develop the personal loan business, the following paper states the risks and relative theories of individual housing loan, classifies the main types of risks into eight catagories, including operation risk , credit risk, developer risk and mortgage risk, and thoroughly analyze the causes of those risks. This paper also analyzes the management mode of individual housing loan in China Construction Bank and deeply explore the problems existed in the present situation of local bank, emphasizing the relevation of the risk management of individual housing loan triggered by U.S subprime mortgage crisis on the analysis of causes. Based on the analysis and field investigation, this paper also introduces the preventing and controlling methods of the