商业银行的住房贷款风险问题分析.docxVIP

商业银行的住房贷款风险问题分析 摘要：一直以来商业银行住房贷款都被认为是一种风险颇低、收益较稳定、兼具普遍社会效益的优质资产。但随着近几年住房贷款的飞速发展，使其潜在的风险日益增大，并由潜在趋向了明显化。因为我国目前住房贷款的二级市场还处在初创阶段，住房贷款的债权不易变现，这就为银行带来许多风险问题。本文着力审视中国房地产金融风险，着重对商业银行的住房贷款风险管理研究，对商业银行防范住房贷款风险提出建议，为保证贷款安全，防范金融风险的发生有着现实意义。研究住房贷款风险防范，首先应该了解其风险产生原因、风险现状及面临风险的有效对策。首先是其发展现状，其次说明风险产生的根源，再对具体分析我国个人住房贷款的风险产生的主要原因，抓出重点进行风险剖析，最后征对所列举的风险原因，进行分析风险防范的措施。 关键字：住房贷款；商业银行；风险分析；对策研究 Commercial banks housing loan risk analysis Abstract：Since commercial bank housing loan is considered a risk, low income is quite stable, hold concurrently general social benefit of high quality assets. But along with the rapid development of housing loans in recent years, increasing the potential risks, and the underlying trend all. Because our current housing loan to the secondary market is still in infancy, housing loan debt, it is illiquid brings a lot of problems. The bank risk This paper focus on look at China real estate finance risk of commercial Banks, focuses on the housing loan risk management in commercial bank, prevent housing loan risk guarantee loans puts forward some proposals for safety, preventing financial risks happening has practical significance. Research housing loan risk prevention, first should know the risk causes, status quo and facing the risk of risk effective countermeasures. First is the development present situation, the second explains the root causes of risk again to specific analysis, personal housing loan risks in China, the main causes of the grabbed a key risk analysis, and finally to the risk of refunding listed analyze reasons, risk prevention measures. Key words：Housing loan；Commercial Banks；Risk analysis；Countermeasures study 引言： 房地产业是一个资金相对密集的高风险的行业，而我国现阶段房地产业的???险高度集中于商业银行。所以就目前来看我国房地产市场在基本正常发展的同时，非理性繁荣的苗头也基本凸显，市场风险也在日益积聚，随之而产生的房地产泡沫已经对商业银行的住房贷款的安全形成了巨大的现实威胁。同时，因由房地产在国民经济中的特殊地位以及它牵涉到千家万户，各行各业，房地产价格涨跌状况和房地产市场发展格局深刻影响着消费者、投资者、地产商、银行、政府以及各房地产相关一系列的从业主体。 美国次级贷款危机的爆发引发了全球金融危机并严重危及到了全球实体经济，即说明了一个事实：住房贷款虽然相对比较安全，但其风险不容忽视，一旦形成较大规模，便会迅速扩张甚至蔓延至全球出现大面积的金融风波，同时危