我国商业银行个人住房贷款风险管理研究.doc

PAGE 我国商业银行个人住房贷款风险管理研究 摘要 随着我国住房制度改革的全面推进和深化，个人住房贷款业务发展迅猛。我国商业银行逐步将发展个人住房贷款业务作为一个新的利润增长点，而且在所占比重也日渐提高。但近年来受国内外经济环境恶化影响，由个人住房贷款业务所引发的各种形式的风险不断暴露，不良贷款率也随之逐步上升且有加速的迹象，在一定程度上给商业银行带来了风险隐患。 本文主要针对我国个人住房贷款发展现状，分析了我国商业银行个人住房贷款的存在的问题，结合实例阐述主要的风险种类，并对我国个人住房贷款面临的风险原因进行了详尽分析以及提出了对应的完善风险管理的对策，对规避商业银行金融风险和促进房地产健康发展有着重要的现实意义。 关键词：商业银行；个人住房贷款；风险管理 STUDY ON THE RISK MANAGEMENT OF INDIVIDUAL HOUSING LOANS OF CHINESE COMMERCIAL BANKS ABSTRACT With the further development of the housing system reform, the Individual housing loan grows rapidly in China. Not only does Commercial Bank of China will gradually develop individual housing loan business as a new profit growth point, but also it is rising in proportion. However, in recent years, the constant change of the economic environment at home and abroad. The various forms of risk exposed continually because Personal housing loan business and the bad loans also gradually rising and have accelerated sign. To a certain extent, it brings some risks in the commercial banks. This article mainly aims at our personal housing loan development present situation, has analyzed individual housing loan problems of our country commercial bank .Not only does it elaborate the risk types combined with examples to makes a detailed analysis on the reasons of personal housing loan risk for our country, but also propose the corresponding management countermeasures to perfect risks. It has an important practical significance to avoid financial risk of commercial banks and promote the healthy development of real estate. Key words: commercial bank; individual housing loans; risk management 目 录 TOC \o 1-2 \h \z \u HYPERLINK \l _Toc292402046 1 绪论 PAGEREF _Toc292402046 \h 1 HYPERLINK \l _Toc292402047 1.1 课题研究的目的、意义 PAGEREF _Toc292402047 \h 1 HYPERLINK \l _Toc292402048 1.2 国内外研究现状及文献综述 PAGEREF _Toc292402048 \h 1 HYPERLINK \l _Toc292402049 2 商业银行个人住房贷款发展现状及存在的问题 PAGEREF _Toc292402049 \h 4 HYPERLINK \l _Toc292402050 2.1 我国个人住房贷款的发展现状 PAGEREF _Toc29