摘要伴随着国民经济持续不断地发展，居民对住房的需求也不断地增加。相应地，这一现象也促使了商业银行个人住房贷款业务的迅速发展，带动了个人住房贷款业务在商业银行贷款业务的比重逐日提高。近年来，我国房地产市场发展迅猛，房价更是居高不下，与房地产息息相关的个人住房贷款业务以其收益高、风险低的优势倍受各家商业银行的青睐。并已成为我国商业银行信贷业务的重头，对完善商业银行资产结构和提高经营效益也发挥着越来越重要的作用。而今，个人住房贷款业务风险日渐凸现，已经成为我国商业银行目前亟待应对和解决的重要问题之一。因此，本文从我国商业银行、房地产的投资市场来论述我国商业银行个人住房贷款当前存在的相关风险，深刻剖析对于我国商业银行个人住房贷款风险产生的相关原因，并有针对性的提出应对个人住房贷款风险的防范方法以及措施。49993

毕业论文关键词： 商业银行;  个人住房贷款;  风险 

Our Country Commercial Bank Personal Housing Loan Risk And its Prevention

Abstract With the rapid development of the national economy, the demand of housing residents continue to increase as well. Accordingly, this phenomenon also contributed to the rapid development of commercial bank inpidual housing loan business, led the inpidual housing loan business daily increase in the proportion of commercial bank lending. In recent years, the rapid development of China's real estate market, high housing prices and real estate are closely related to inpidual housing loan business with its high-yielding, low-risk advantages of much commercial banks of all ages. And it has become China's commercial bank credit business, heavy head, to improve the asset structure of commercial banks and improve operating efficiency also plays an increasingly important role. Today, the risk of inpidual housing loan business has become prominent, has become one of the important issues that must deal with and solve our commercial banks. Therefore, this article from China's commercial banks, the real estate investment market to discuss the risks associated with inpidual housing loans of commercial banks that currently exist, profound analysis of the relevant reasons for China's commercial banks personal housing loan risk generated, and targeted to the inpidual proposed housing credit risk prevention methods and measures.

Key Words: Commercial Banks;   Personal housing loan;   Risk 

目录

引言 1

一、个人住房贷款及其风险相关概述 2

(一) 个人住房贷款的含义 2

(二) 个人住房贷款种类和条件要求 2

1.个人住房贷款的类别 2

2.个人住房贷款的条件要求 2

(三) 个人住房贷款的结构 3

(四) 我国商业银行个人住房贷款的风险类别 3

1.信用风险 3

2.流动性风险 3

3.操作风险 3

4.管理风险 3

二、我国商业银行个人住房贷款的发展现状 4

(一)个人住房贷款的发展 4

(二)房地产投资现状分析