我国商业银行个住房贷款风险问题研究.docVIP

摘 要 随着住房制度改革的深化和住房需求的增长，近年来我国商业银行的个人住房抵押贷款业务迅速发展起来的年平均增长率达到70%，远远超过同时期金融机构各项人民币贷款的增长率。截至2009年3月末，我国个人住房抵押贷款余额已经达到3.5万亿元，成为商业银行的主要贷款业务之一。个人住房抵押贷款不仅满足了居民的房产需求，也为各商业银行调整信贷结构、增加经营利润提供了有效的途径，但是随着它在商业银行贷款余额中比重的日益提高，再加上它与房地产市场价格和金融市场存在密切相关性，其风险对银行整体经营的威胁也越来越大。因此，如何有效地解决银行面临的个人住房抵押贷款风险，建立有效地风险防范机制，对于银行来说，显得尤为重要。 本文通过对我国商业银行个人住房贷款的风险进行详细分析，揭示影响个人住房贷款的因素和形成原因，而为我国商业银行个人住房贷款业务建立起一个多层次的风险防护网提供一些建议。 本文共分为章，第一章为引言，首先介绍本文的研究背景，然后总结了国内外关于个人住房贷款风险管理的研究成果，提出本文的研究框架；第二章主要个人住房贷款发展的动因以及发展的现状进行阐述；第三章阐述了我国商业银行个人住房贷款的风险及成因，主要从影响个人住房贷款风险的因素和个人住房贷款的成因两个方面进行分析；第四章分析了美国次贷危机爆发的原因，从中汲取教训，总结出美国次贷危机对我国商业银行在个人住房贷款方面的警示；第五章是在个人住房贷款风险充分分析和美国次贷危机的警示基础上， 关键词：个人住房贷款，商业银行，市场风险，风险管理 ABSTRACT Due to deepening the reform of Chinese housing and increasing house demand, the commercial banks have got the great development of the individual housing mortgage loan in recent years. The data show the average annual growth rate reaches 70 percent from 1998 to 2008, much higher than the growth rate of all RMB loans of the same period in financial institutions. Besides, to the end of the march of 2009, the individual housing mortgage loan balance has attained as much as 3.5 trillion RMB. The individual housing mortgage loan not only meet the housing needs of the residents, but also for the commercial banks adjust the credit structure, increase in operating profit to provide an effective way. As it is increasing proportion in the balance of loans in commercial banks, the individual housing mortgage loan is vulnerable to the fluctuation of the real estate market prices and finance markets, which will induce risks to the whole banking. In 2007, price rose rapidly, the central bank kept raising interest rates to slow the CPI in an acceptable range. The combined effect increased borrower’s financial burden, on the other hand the quick growth of housing price is far beyond the residential afford ability in recent years, if the housing price falls, the potential risks of individual housing mortgage loan wil