我国商业银行房贷风险防措施研究毕业论文.docVIP

单位代码 学　　号 1201420047 分 类 号 密 级 毕业论文 我国商业银行房贷风险防范措施研究 院（系）名称 商贸学院经济系 专业名称 金 融 学 学生姓名 刘 如 腾 指导教师 刘 晓 慧  我国商业银行房贷风险防范措施研究 摘 要 随着社会主义市场经济的发展和住房制度改革的不断深入，近些年来，我国部分城市房价出现过快上涨势头，投机性购房再度活跃，多家商业银行纷纷拓展业务空间，介入到个人住房信贷市场。商业银行在获得利润的同时，往往忽视了住房信贷的风险，房地产信贷风险再次成为新的经济风险点。本文借此机会，重新审视了住房信贷风险的现状以及风险防范方法。 文章首先介绍了个人住房信贷风险的研究理论，分别介绍了住房信贷风险的定义、信贷风险相关的现有理论、不同角度对风险进行分类；其次，介绍了商业银行房贷风险的表现形式；再次，就是根据存在的问题进行原因分析；最后，根据问题和原因的分析，提出有针对性的改善我国商业银行房贷风险防范的措施。希望能够为我国商业银行房贷风险的防范措施的建设贡献力量，促进我国个人住房水平的提升。 关键词： A Research on Housing Credit Risk Prevention Measures of Commercial Bank in China Author:Liu Ruteng Tutor:Liu Xiaohui Abstract With the continuous deepening of the socialist market economy development and reform of the housing system, in recent years, Chinas housing prices in some cities appeared quickly gained momentum, speculative purchase of housing has become active again, a number of commercial banks expand their business space involved individual housing credit market. Commercial banks at the same time to obtain profit, often ignored the risk of housing credit, real estate credit risk once again become a new economic risk point. This article take this opportunity to re-examine the status of housing credit risk and risk prevention methods. The paper begins with the introduction of individual housing credit risk theory, introduces the definition of housing credit risk, credit risk is related to the existing theory, different angles of risk classification; secondly, it introduces the form of commercial bank loans risk; again, which is based on the existing problems cause analysis. Finally, according to analysis of the problems and the reasons of