我国商业银行个人住房贷款风险成因及控制.docxVIP

我国商业银行个人住房贷款风险成因及控制 ［摘要］地产业是一个资金密集型的高风险的行业，我国现阶段房地产业的风险高度集屮于 商业银行。我国房地产市场在基本正常发展的同时，菲理性繁荣的苗头也有所显现，市场风 险正在积聚：对商业银行来说，房地产泡沫破灭后，银行投向房地产的一些资金面临着收不 回来的危险，许多贷款最终成为呆帐、坏帐，不良贷款比例会大幅上升。如果泡沫很严重， 破灭后造成的价格下跌幅度巨大，银行遭受的损失过大，有可能损害银行的信誉，存款者会 对银行的信用产牛怀疑，对银行进行挤兑，造成金融恐慌，甚至引发银行的破产。木论文的 写作目的就是希望在分析我国个人住房贷款风险现状的基础上，对完善个人住房贷款风险防 范体系作岀建议。论文从分析目前我国个人住房贷款业务的现状入手，指出存在的问题，并着 重针对商业银行如何发展好个人住房贷款业务提出思考及相应对策，以促进这一业务的良性 快速发展 ［关键字］个人住房贷款；风险；商业银行 The Cause and Control Analysis on Individual Housing ConsumptionLoan of China，s Commercial Banks [Abstract] The industry is a capital intensive industry with high risk, the risk of the present stage of our country real estate industry is highly concentrated in commercial banks. Chinas real estate market in the normal development and at the same time, the signs of irrational exuberance has also been revealed, the market risk is the accumulation of: commercial banks, real estate bubble, some banks to invest in real estate funds facing the risk of not being paid, many loans eventually become bad debts, bad debts, bad loan ratio will be sharp rise. If the bubble is very serious, after the bursting of the price decline caused huge losses, the bank is too large, may damage the credibility of the bank, depositors would doubt the bank credit, to bank runs, causing financial panic, and even lead to the bankruptcy of the bank. The purpose of this paper is that based on analyzing the present situation of individual housing loan risk in China, to improve individual housing loan risk prevention system to make recommendations. This paper starting from analyzing the current situation of individual housing loans in China, points out the existing problems, and focuses on how to develop commercial bank personal housing loan business thinking and put forward corresponding countermeasures, in order to promote the healthy and rapid development of the business. Key words: Individual Housing Consumption Loan, Risk, Commercial Banks 我国商业银行个人住房贷款风险成因及控制 目录 引 言 错误!未定义书签。 一、 我国商业银行个人