个人住房贷款风险把控的中美比较研究
毕业论文关键词： 个人住房贷款业务，风险把控，中美比较
The Comparative study of controlling the risks of inpidual housing loans between China and America
Abstract： Along with the vigorous development of inpidual housing loan business,the problems and risks of inpidual housing loan business is becoming increasingly important, it becomes one of the important problems of China's commercial banks that need to deal with and solve as soon as possible. The purpose of this paper is to conduct a survey and Study on Chinese housing market, and the inpidual housing loans, and compare with America’s, especially in the aspect of controlling risks. This paper will make a deep compare between China and America about the controlling the inpidual housing loans, so that we can learn a lot from foreign ways and methods to make our inpidual housing loans business more stability.Therefore, no matter which aspects risks, it will affect the development of China’s commercial banks. We need to rely on the strength of the parties, to take all possible measures to predict risks, discover risks, control risks, in order to ensure the stability of the whole financial system, and the healthy development of the Chinese housing market.
Keywords: inpidual housing loan business, controlling risks, comparing along the China and America.
目 录
一、绪论 1
（一） 论文研究目的和意义 1
（二） 国内外研究现状及差异比较 1
二、商业银行个人住房贷款业务状况之中美比较 3
（一）中国个人住房贷款业务现状 3
1、 房地产投资规模逐年扩大 3
2、 住房消费已经成为我国居民的生活必需品消费 4
3、 我国商业银行个人住房贷款业务现在仍处于起步阶段，但其发展前景广阔 4
（二） 美国个人住房贷款业务 4
1、 美国个人住房贷款业务市场化程度高 4
2、 美国个人住房贷款业务的主要过程及参与者 5
3、 个人住房贷款体系健全 5
（三） 中美两国个人住房贷款业务的差异性比较 6
三、个人住房贷款风险种类及把控之中美比较 8
（一）中国商业银行个人贷款业务风险把控 8
（二）美国个人住房贷款风险把控 9
四、美国在风险把控上对中国的借鉴和启示 11
（一）以个人住房贷款为标的，积极引入保险业和证券化 11
（二） 完善个人信用体系，并且逐步实现数据平台共享，加强信用监督 11
（三）不断完善商业银行内部管理 11
（四）完善房地产市场，加强房地产交易的监管 11
五、结论 12
致 谢 13