商业银行个人住房抵押贷款信用风险及其防范简介.docVIP

我国商业银行个人住房抵押贷款 信用风险及其防范 内 容 提 要 随着我国房地产业的快速发展，个人住房抵押贷款量得到了迅速扩张，但在发展过程中其风险日益明显。由于个人住房贷款是以房产作为抵押，而且我国房价处于快速上升时期，个人住房贷款的不良贷款率相对低，因此个人住房贷款成为各银行竞相争夺的优质业务。由于信用环境等多方面因素影响，商业银行办理个人住房贷款业务隐含着巨大的风险。本文基于我国个人住房抵押贷款的发展现状，主要从个人住房贷款业务所面临的信用风险进行了分析，并提出了相应的解决措施。 关键词：住房抵押贷款 信用风险 风险管理 Abstract With the rapid development of Chinas real estate industry, personal housing mortgage loan amount has been rapid expansion, but the risk has become increasingly evident in the development process. Individual housing loans are secured by real estate as collateral, and our price is in a period of rapid increase in housing loans to individuals performing loan ratio is relatively low, individual housing loans as banks compete for high-quality business. Commercial bank credit environment and many other factors, the individual housing loan business implies a huge risk. Based on the current development of personal housing mortgage loans, mainly from individual housing loan business is exposed to credit risk, and the corresponding solutions. Key words: housing mortgage credit risk risk management 目 录 我国商业银行个人住房抵押贷款概述……………………………………1 个人住房抵押贷款的发展历程……………………………………………1 个人住房抵押贷款的特征…………………………………………………1 个人住房抵押贷款种类…………………………………………………1 我国商业银行中的个人住房抵押贷款信用风险……………………………2 源于个人的住房抵押贷款信用风险………………………………………2 源于房地产开发商的个人住房抵押贷款信用风险………………………2 源于抵押物的个人住房抵押贷款信用风险………………………………3 完善我国商业银行个人住房贷款信用风险防范体系……………………4 完善个人的住房贷款信用风险防范体系…………………………………4 完善房地产开发商的个人住房贷款信用风险防范体系…………………5 完善抵押物的信用风险防范体系……………………………………………5 四、结束语……………………………………………………………………………5 参考文献………………………………………………………………………………6 后记……………………………………………………………………………………7  我国商业银行个人住房抵押贷款信用风险及其防范 一、我国商业银行个人住房抵押贷款概述 (一)个人住房抵押贷款的发展历程 我国的住房抵押贷款发展历程并不是很长，我国房地产从1978年改革开发至今历经30多年的发展历程，个人住房贷款业经历了一段时间的发展，并形成了相对规范的发展模式，随之规模也扩大了许多。在分析商业银行个人住房抵押贷款信用风险的时候，为了进一步的认识个人住房贷款信用风险，应了解和掌握我国个人住房贷款发展的历程。1992年建设银行颁布了《房地产信贷部职工住房抵押贷款办法》，推出了“存三贷七”的贷款品种，为以后的其他个人住房抵押办法奠定了基础。1995年7月，人民银行颁布了《商业银行自营住房贷款管理暂行规定》，对商业银行开展个人住房制定了相关的规定。1997年中国人民银行下发了《个人住房贷款管理法（试行）》，从此商业银行个人住房贷款业务在全国范围内全