商业银行住房抵押贷款的分析创新.docVIP

商业银行住房抵押贷款的分析 摘 要 美国次贷危机引发的金融给美国乃至全球金融市场都带来此次次贷危机的爆发主要是由美国利率大幅度上升、金融衍生产品的过度创新以及美国过于廉价的信用体制等。近年来，我国给我国的住房抵押贷款市场带来重大的风险隐患因此，商业银行应加强对个人住房抵押贷款的风险管理，确保我国住房抵押贷款市场的健康发展为能有效维护我国商业银行业发展，对我国商业银行住房抵押贷款的现状进行风险分析并寻找有效地措施来防止不利事件的发生，对于中国是一个迫切而又十分重要的新课题。 ABSTRACT The United States sub-loan crisis triggered by the financial turmoil to the United States and the global financial market has brought a huge impact. The main reason for the outbreak of the subprime mortgage crisis by the United States of America, is rising interest rates substantially over the innovation of financial products and the United States of America too cheap credit system. In recent years, Chinas real estate industry is developing rapidly, people purchase demand is increasing, and now housing prices continue to rise, resulting in lending by commercial banks increased, at the same time, Chinas housing mortgage loan market risk significant also bring. Therefore, commercial banks should strengthen the risk management of personal housing mortgage loans, to ensure the healthy development of the housing mortgage loan market in China, in order to maintain the development of the Chinese Commercial Bank of good, the status of housing mortgage loans in Chinas commercial banks to the risk analysis and to find effective measures to prevent the occurrence of adverse events, for while China is an urgent and important issue. This paper first analyses the status quo of the development of housing mortgage loans in Chinas commercial banks, and explain the necessity of strengthening the housing mortgage loan risk management, the risk finally facing from the housing mortgage loan risk management analysis. KEY WORDS：Commercial banks, Housing mortgage loan, Risk analysis, Countermeasures  目 录 1前言 1 1.1研究背景及意义 2 1.2研究内容与方法 2 1.2.1研究内容 2 1.2.2研究方法 3 1.3论文框架 4 2相关理论与文献综述 5 2.1商业银行住房抵押贷款理论 5 2.1.1商业银行住房抵押贷款的概念 5 2.1.2商业银行住房抵押贷款的流程 5 2.1.3商业银行住房抵押贷款的用途 6 2.1.4商业银行住房抵押贷款的对象 6 2.1.5商业银行住房抵押贷款的条件 6 2.1.6商业银行住房抵押贷款的额度 6 2.1.7商业银行住房抵押贷款的登记制度