夏雪琴—最终商业银行房贷的风险与规避改动版.doc

四川大学锦城学院本科毕业论文 商业银行房贷的风险与防控 PAGE  PAGE 29 商业银行房贷的风险与规避 专业：金融 姓名：夏雪琴 指导老师：郑焕刚 摘 要 住房贷款可以说一直以来都被国内外研究和公认为商业银行的优质资产，在我国的各大商业银行也广泛开展，也因此大部分居民不再受高房价的困扰，在被各种看好的情况下2008美国的次贷危机给了世界一击重锤，我们不得不反思重视房贷给银行带来利益的同时所隐藏的巨大风险。 关键词：住房贷款 高房价 风险 commercial bank housing loan risk and avoid Major: Financial Management Student:Xia Xueqin Supervisor:Zheng Huangang Abstract Housing loans can be said to have been and recognized research at home and abroad for commercial banks asset quality, in Chinas major commercial banks also widely carried out, therefore the majority of citizens from the high prices of distress, 2008 USA subprime crisis gave the world a blow hammer in the bullish case, a huge hidden risks we have to rethink and attach importance to bring benefits to the banks mortgage. Key words：Housing loans High prices Risk 目录  TOC \o 1-3 \h \z \u  HYPERLINK \l _Toc418951039 1 前言  PAGEREF _Toc418951039 \h 1  HYPERLINK \l _Toc418951040 1.1 住房贷款研究背景  PAGEREF _Toc418951040 \h 1  HYPERLINK \l _Toc418951041 1.2住房贷款研究的目的和意义  PAGEREF _Toc418951041 \h 1  HYPERLINK \l _Toc418951042 1.3 文献综述  PAGEREF _Toc418951042 \h 2  HYPERLINK \l _Toc418951043 2 我国住房贷款的发展现状  PAGEREF _Toc418951043 \h 3  HYPERLINK \l _Toc418951044 2.1我国房贷的发展  PAGEREF _Toc418951044 \h 3  HYPERLINK \l _Toc418951045 2.2 我国住房贷款的现状  PAGEREF _Toc418951045 \h 4  HYPERLINK \l _Toc418951046 2.2.1商业银行现有的房贷产品  PAGEREF _Toc418951046 \h 4  HYPERLINK \l _Toc418951047 2.2.2住房贷款的申请条件  PAGEREF _Toc418951047 \h 6  HYPERLINK \l _Toc418951048 2.2.3现存在的阻碍房贷市场发展的因素  PAGEREF _Toc418951048 \h 8  HYPERLINK \l _Toc418951049 3 银行房贷风险的主要来源与原因  PAGEREF _Toc418951049 \h 9  HYPERLINK \l _Toc418951050 3.1 商业银行自身存在的风险  PAGEREF _Toc418951050 \h 9  HYPERLINK \l _Toc418951051 3.1.1 设施系统不完善  PAGEREF _Toc418951051 \h 9  HYPERLINK \l _Toc418951053 3.1.2 管理制度不完善  PAGEREF _Toc418951053 \h 9  HYPERLINK \l _Toc