商业银行放贷风险与防范.pdfVIP

摘要： 个人住房抵押贷款风险的研究一直是过去几十年中各国金融机构和房地产部门研究 和讨论的重点话题，近年来，随着我国福利分房制度被逐步取消和住房消费货币化的推行， 我国金融贷款业务向个人全面开放，各个商业银行陆续开展个人住房抵押贷款业务，为居 民购买个人住房提供经济支持，商业银行房贷业务得到了蓬勃发展，使得商业银行收入的 主要增长点变为了个人房贷业务。然而，我国房地产市场价格上涨过快，存在着许多不合 理的因素，伴随着国家对楼市的宏观调控，商业银行个人贷款显现出许多问题，同样个人 房贷风险也显得尤为重要。本文通过分析商业银行个人住房业务中存在的风险和商业银行 住房贷款所面临的问题着手分析，提出相应的风险防范措施。我们的国家、社会、银行、 个人等共同付出彼此百分百的努力，才能更好更快地共同构建一个完善的、统一的风险防 范体系，才能未雨绸缪，才能促进我国的房地产市场健康、稳定的发展。 关键词：商业银行 个人住房贷款 风险 防范措施 Abstract ： Study of personal housing mortgage loan risk is the national financial institutions and real estate sector for decades the focus of the study and discussion topics, in recent years, with the gradually be abolished the welfare housing distribution system in China and the implementation of the monetization of housing consumption, fully opened to personal financial loan business in our country, the launch personal housing mortgage loan, commercial Banks provide economic support for residents to purchase a personal housing, commercial bank loan business has been booming, made the major growth point of commercial banks income into a personal mortgage business. However, the real estate market prices rising too fast in our country, there are many unreasonable factors, along with state of the property market macro-control, commercial Banks personal loans appear many problems, also individual mortgage risk also becomes very important. In this article, through analysis of commercial bank person 。 Keywords:personal housing mortgage loan risk personal financial loan commercial banks risk 第 1 页 共 9 页 目 录 引言……………………………………………………………………………………………………………3 一、个人住房贷款概述………………………………………………………………………………3 （一）个人住房贷款定义……………………………………………………………………3 （二）个人住房贷款分类…………………………………………………………………… 3 （三）