浅析我国商业银行个人房贷业务的风险防范与控制解析.docVIP

编号： XXXXXXXXXX 本 科 学 年 论 文 浅析我国商业银行个人房贷业务的风险防范与控制 Our country commercial bank personal housing loan risk and its prevention 姓 名 XXX 学 院 财经管理学院 专 业 金融学 班 级 2012级（ 7 ）班 学 号 0505120701 指导教师 XXX 2015 年 6 月 23 日 浅析我国商业银行个人房贷业务的风险防范与控制 [摘 要]：随着我国经济体制改革的深入发展和市场经济体系的不断完善,金融业的贷款业务逐渐向个人全面开放,个人贷款的业务品种和业务范围如雨后春笋般蓬勃发展,尤其是个人住房贷款业务的发展更快。我国个人住房贷款业务在其发展的同时，存在的问题及竞争形势也不容乐观,在一定程度上阻碍了个人住房贷款业务的发展，要持续快速发展,须理顺和解决一系列的制约因素。本文从分析目前我国个人住房贷款业务的现状入手，指出存在的问题,并着重针对商业银行如何发展好个人住房贷款业务提出思考及相应对策,以促进这一业务的良性快速发展。Our country commercial bank personal housing loan risk and its prevention [Abstract] With the continuous improvement of the economic system reform of our country and in-depth development of the market economy system, financial loan business gradually to individual all-round opening up, personal loans business varieties and scope of business have mushroomed rapid development, especially faster development of individual housing loan business. Individual housing loan business in China in its development and at the same time, problems and competition situation is not optimistic, in a certain extent, hindered the development of individual housing loan business, sustained and rapid development, must rationalize and solve a series of constraints. Starting from the analysis of the present situation of individual housing loan business in China, points out existing problems of and focus for commercial banks how to develop good personal housing loan business and put forward some thoughts and Countermeasures to promote healthy and rapid development of the business. [Keyword] Development status  目录 引言 5 一、我国商业银行个人房贷业务的发展现状 5 （一）个人住房贷款与公司贷款业务相比,具有无可比拟的优势 5 （二）国家实施了新的个人住房分配政策 6 （三）一段时期内,个人住房贷款是个人贷款业务的龙头 6 二、我国商业银行个人房贷业务存在的风险 6 （一）信用风险，不良违约增加，投资用途贷款潜藏较大风险 7 （二）流动性风险，个人房贷引发的银行整体流动性风险并不明显，但局部 值得关注 7 （三）操作风险，普遍存在，应引起银行高度关注 7 三、防范和控制我国商业银行个人房贷业务风险的措施 8 （一）加大金融改革，稳妥引进新的金融商品 8 （二）推进资产证券化市场的发展 8 （三）强化内控制度建设 9 （四）推广全面实施个人住房贷款保证保险制度 9 结束语个人住房贷款是