金融学毕业论文--我国商业银行住房抵押贷款的风险分析与对策研究.docVIP

我国商业银行住房抵押贷款的风险分析与对策研究 摘 要 在目睹了美国次贷危机对全球经济的影响，为能有效维护我国商业银行业的健康有序发展，对我国商业银行住房抵押贷款的现状进行风险分析并寻找有效地措施来防止不利事件的发生，对于中国是一个迫切而又十分重要的新课题。本文的研究目的是在我国商业银行的相关政策下，正视我国商业银行住房抵押贷款的现状，对存在的风险进行分析，并有针对性的研究相关的对策。本文从信用利率流动性完善住房抵押贷款的法律法规建立政府住房抵押贷款担保制度发展住房抵押贷款证券化建立健全住房贷款保险制度 关键词：商业银行，住房抵押贷款，风险，对策 Our Commercial Mortgage Risk Analysis and Research Author：Cai ingren Tutor： Abstract In the subprime crisis impact on the global economy, effectively maintain the health of our commercial banking development on our commercial mortgage risk analysis of the present and look for effective measures to prevent the occurrence of adverse events, for China is an urgent and important new topics. This study aims at bringing together the relevant policies of commercial banks in China, face up to our commercial mortgage situation, risk analysis, and targeted research-related measures. This article from credit risks, interest rate risk, collateral risk, liquidity risk these four aspects of the commercial bank home mortgage loan risks, and risk for the four exceptions to a detailed study of countermeasures, while from the perfect mortgage law regulations, establish a Government housing mortgage loan guarantee system, development of mortgage-backed securities, establishing a home mortgage loan insurance four aspects to improve nowadays commercial mortgage loan conditions conducted a study on analysis. Key Words: Commercial Banking, Mortgage, Risks,Countermeasures 1 研究背景 1.1 研究背景 美国危机虽然从表面上看美国次贷危机是因为资产证券化、银行风险控制不力导致的，与我国银行房地产贷款，但是美国次贷危机的诱因却与我国银行业存在的问题相同：房价虚高，房地产泡沫的不断膨大，利率的不断调高。由于房地产贷款在我国银行信贷资产中，严峻的形势要求我们必须正视此次美国次贷危机带给我们的警示，以保证我国银行业能够实现和谐发展。1.1 2002—2005年全国个人住房抵押贷款(单位：亿) 2002 2003 2004 2005 全国消费信贷余额10669 15736 20063 22150 个人住房抵押贷款余额8258 11782 15853 18400 个人住房抵押贷款比重77.40％ 74.87％ 79.02％ 83.37％ 个人住房抵押贷款增长比例47.52％ 42.67％ 34.55％ 16.07％ 图1.1 个人住房抵押贷款增长比例图 2 住房抵押贷款的理论研究 2.1 住房抵押贷款的含义 住房抵押贷款又称按揭，是指房屋购买者以所购买的住房为抵押担保品向银行申请贷款，以所贷的款额作为房费付给建筑开发商，向银行支付款项以还清贷款若购房者不能按照期限还本付息，银行可将房屋出售，以抵消欠款。2.2 我国商业银行住房抵押贷款的现状 我