浅析我国商业银行个人房贷业务的风险防范与控制doc.doc

湖 南 农 业 大 学 高等教育自学考试本科生毕业论文 浅析我国商业银行个人房贷业务的风险防范与控制 学生姓名：曾赛花 考籍号年级专业指导老师及职称 目 录 摘要·····························································1 我国商业银行个人房贷业务的发展现状···························1 （一）个人住房贷款与公司贷款业务相比,具有无可比拟的优势············1 （二）国家实施了新的个人住房分配政策·······························1 （三）一段时期内,个人住房贷款是个人贷款业务的龙头··················2 二、我国商业银行个人房贷业务存在的风险···························2 （一）信用风险，不良违约增加，投资用途贷款潜藏较大风险·············2 （二）流动性风险，个人房贷引发的银行整体流动性风险并不明显，但局部值得关注···································································3 操作风险，普遍存在，应引起银行高度关注·······················3 三、防范