我国商业银行个人住房按揭贷款风险成因及防范程序总汇.docxVIP

PAGE \* MERGEFORMAT14 本科毕业论文 内容摘要 2008年的一场次贷危机，掀起了全球性的房贷危机。中国的房地产市场也在这次危机中受到了波及，而那时，中国的地产泡沫还没有达到最高峰，随着中国市场经济的快速增长，泡沫也在越滚越大，但是房产是一个刚性需求，个人房贷业务在市场的驱动下已经深受广大买房群体的拥护，不良贷款率因此而逐步攀升，同时也导致了市场贷款风险的逐步增大， 另外，国内的房地产市场由于起步较晚，市场监管机制不健全，相关法律政策不完善，种种因素综合起来，如果不加以解决，必将导致严重的后果。本文结合商业银行的相关政策，以及房贷相关者的个人的自身情况，从已有的现象中总结规律，从而对市场中存在的风险加以防范。当然，最终目的还是让房贷相关者少受房贷之苦，并推动我国的房贷业务健康发展。 关键词：个人住房贷款；商业银行；风险防范 Abstract A subprime?crisis in 08 years,?set off a?global?crisis.?Chinas real estate market is also?in the crisis?affected,?and then,?Chinese?real estate?bubble has not?reached its peak?with the rapid growth?of market economy?China,?bubble?in the?snowball,but?real estate?is a?rigid demand?for?personal loans business,?buy a house?in the market?has been well received by the?community?driven?the?rate of bad loans,thus?gradually rise,?also?has caused the market?risk of the loan?increase gradually. In addition,?the domestic real?estate?market due to a late start,?the market supervision?mechanism is not perfect,?the relevant laws?and policies are not perfect,?all kinds of?factors,?if not addressed,?will?lead to serious consequences.In combination with the relevant?policies?of commercial banks,?and?mortgagerelated?individuals own situation,?summarized?from the?phenomenon,?thus?to prevent?the?risk in the market.?Of course,?the ultimate aim is?to let?mortgagerelated?mortgage?suffered?less,?and to promote the healthy development of?the mortgage?business in china. Keywords:individual?housing loans;?commercial bank;?precaution risk 目 录  TOC \o 1-2 \h \z \u  HYPERLINK \l _Toc388440450 一、个人住房贷款风险概述  PAGEREF _Toc388440450 \h 5  HYPERLINK \l _Toc388440451 （一）个人住房贷款相关概念  PAGEREF _Toc388440451 \h 5  HYPERLINK \l _Toc388440452 （二）我国个人住房贷款现状及主要风险  PAGEREF _Toc388440452 \h 7  HYPERLINK \l _Toc388440453 二、我国个人住房贷款风险的成因  PAGEREF _Toc388440453 \h 9  HYPERLINK \l _Toc388440454 （一）个人贷款中的逆向选择和道德风险  PAGEREF _Toc388440454 \h 9  HYPERLINK \l _Toc388440455 （二）房地产泡沫  PAGEREF _Toc388440455