商业银行个人住房抵押贷款的风险分析.docVIP

商业银行个人住房抵押贷款的风险分析 作者:胡伟红 目 录 摘 要 1 关键词 1 Abstract 1 Key words 1 一、个人住房贷款的含义、特点 1 （一）个人住房贷款的含义 1 1．个人住房委托贷款 1 2．个人住房自营贷款 2 3．个人住房组合贷款 2 （二）个人住房贷款的特点 2 1．贷款金额大、期限长 2 2．贷款对象特殊且用途专一 2 二、我国商业银行个人住房贷款的发展情况 2 1、个人住房抵押贷款余额 2 2、 我国商业银行个人房贷不良贷款率 3 三、商业银行个人住房贷款的风险分析 3 （一） 借款人风险 3 1.借款人还款来源风险 3 2.借款人道德风险 4 （二）抵押物风险 4 1．抵押物处置风险 4 2．抵押物价格风险 4 （三）流动性风险 4 1．来源的期限短，贷出去的期限长 4 2．我国商业银行个人住房贷款不易变现 4 （四）市场和政策风险 4 1．市场风险 5 2．政策风险 5 （五）开发商导致的风险 5 1．经营管理失误导致的风险 5 2．“假个贷”风险 5 (六) 贷款人风险 5 1.政策取向风险 5 2. 贷款人操作风险 6 （七）利率风险 6 1. 利率变动的现金流风险 6 2.利率变动的信用风险 6 四、 控制个人住房贷款风险的对策 6 1、监管部门的对策 6 2、 银行机构的对策 6 3. 完善住房预售风险分担机制 7 参考文献 7  商业银行个人住房抵押贷款的风险分析 重庆工商大学派斯学院经济学院 胡伟红 摘 要： 随着我国房地产市场的迅猛发展，商业银行个人住房贷款业务快速增长，已成为我国居民购买住房的主要融资模式，也是我国商业银行贷款业务中重要的项目。近几年来，个人住房抵押贷款业务已逐渐成为各商业银行的核心业务之一，其规模在银行资产中的比重呈现上升趋势。然而近年来银行实际运作情况表明: 个人住房贷款业务的安全性不容乐观，贷款风险正在日益增加，逐步进入风险暴露期。如何控制个人住房贷款风险，确保信贷资金安全，维护金融体系稳定，规范房地产金融业务的健康、稳定发展，是摆在商业银 行面前的永恒课题. 关键词：商业银行；个人住房贷款；风险分析 Abstract: With the rapid development of Chinas real estate market, the rapid growth of commercial bank individual housing loan business, has become the main financing mode of our countrys residents to purchase housing Type, is also an important project in our country commercial bank loan business.In recent years, the personal housing mortgage loan business has gradually become one of the core business of commercial Banks, Its size in the present a tendency of increasing the proportion of bank assets.However in recent years the bank the actual operation shows that the security of the personal housing loan business is not optimistic, the loan risks are increasing, gradually into the risk exposure period.How to control the personal housing loan risk, ensure the safety of the credit funds to stabilize the financial system, standardize the healthy and stable development of real estate finance business, is the eternal subject in front of the commercial bank. Key words: Commer