浅析我国商业银行个人住房贷款的风险管理.pdf

浅析我国商业银行个人住房贷款的 危险治理 作者姓名:XXX 学号：XXXX 指导教师：XXX 摘 要 个人住房贷款业务一直以可靠的担保、较高的收益受到各家商业银行的青睐。然而，由于我国 个人住房贷款业务存在内部系统不完善、危险防范机制不健全等原因，给商业银行带来了一定程度 上的危险隐患。本文从我国商业银行个人住房贷款现状入手，分析商业银行个人住房贷款业务存在 的危险，并提出危险治理措施，以期为商业银行个人住房贷款业务的危险规避提供借鉴。 关键词 ：商业银行；个人住房贷款；危险治理 Analysis of Individual Housing Loans of Commercial Banks in Risk Management Abstract ：Individual housing loan business has been a reliable guarantee higher returns the favor by commercial banks. However, due to the existence of individual housing loan business within the systems are imperfect, risk prevention mechanism is not perfect and other reasons, to a certain degree of commercial banks on the potential risks at the same time, countries are to implement tight monetary control policy, the loan threshold steep Growth, which is the operational effectiveness of Chinas commercial banks to challenge.In this paper, individual housing loans of commercial banks in the status quo of individual housing loans of commercial banks, business risks, and proposed risk management measures to individual housing loans for commercial banks to provide a reference to avoid business risks. Key words: Commercial banks;Individual housing loan;Risk management 目 录 第1章 前言1 1.1研究背景及意义1 1.2国内外研究现状及存在的不足1 1.3本文主要研究内容2 第2章 个人住房贷款业务概述 3 2.1个人住房贷款的概念3 2.2个人住房贷款的种类3 2.3个人住房贷款的主要特点3 2.4个人住房贷款业务的担保方式4 第3章 我国商业银行个人住房贷款业务概况 5 3.1我国商业银行个人住房贷款业务进展历程 5 3.2我国商业银行个人住房贷款业务现状6 3.3房地产调控政策对个人住房贷款的影响7 第4章 我国商业银行个人住房贷款业务的危险10 4.1 内部危险10 4.1.1经营危险10 4.1.2操作流程危险10 4.1.3贷后治理滞后危险10