我国商业银行个人住房抵押贷款信用风险及其防简介.docVIP

我国商业银行个人住房抵押贷款 信用风险及其防范 内 容 提 要 随着我国房地产业的快速发展，个人住房抵押贷款量得到了迅速扩张，但在发展过程中其风险日益明显。由于个人住房贷款是以房产作为抵押，而且我国房价处于快速上升时期，个人住房贷款的不良贷款率相对低，因此个人住房贷款成为各银行竞相争夺的优质业务。由于信用环境等多方面因素影响，商业银行办理个人住房贷款业务隐含着巨大的风险。本文基于我国个人住房抵押贷款的发展现状，主要从个人住房贷款业务所面临的信用风险进行了分析，并提出了相应的解决措施。 关键词：住房抵押贷款 信用风险 风险管理 Abstract With the rapid development of Chinas real estate industry, personal housing mortgage loan amount has been rapid expansion, but the risk has become increasingly evident in the development process. Individual housing loans are secured by real estate as collateral, and our price is