个人住房抵押贷款风险探析 - 1 -
毕业论文
我国商业银行个人住房贷款风险分析及对策研究
摘要：针对目前我国商业银行个人住房贷款的风险管理机制相对比较欠缺，而随着住房制度改革的不断深入，个人房贷逐渐成为住房金融重点。同时，个人住房贷款业务的快速发展必然会给商业银行带来巨大的潜在风险的现状。本文从个人住房贷款的风险特征及隐患的分析入手，进而完善房地产金融业发展的宏观环境、个人住房贷款担保和保险制度、个人信用体系以及加强商业银行自我发展的能力等多种途径，论述了对个人住房贷款存在的潜在风险进行有效防范的措施。
关键词：商业银行 个人住房贷款 风险分析 防范对策 。
Abstract：Specifically for our country commercial bank individual housing loans risk manages relatively parallel shortcoming of mechanism at present，but with the
个人住房抵押贷款风险探析 - 2 -
fact that ceaselessness reforming the housing system going deep into ，the individual house loan becoming gradually housing finance priority。At the same time，individual housing loans business fleetness develops necessity current situation that can bring gigantic lurking risk to gigantic lurking risk commercial bank。The main body of a book start with individual housing loans risk characteristic and the hidden trouble analysis，various approach such as the macroscopic view environment , individual housing collateral loan that the then perfect real estate finance job develops being gone bail for and being being sure that system，personal credit system reinforce commercial bank self-development capability as well as，has discussed the measure that the effect being in progress to the lurking risk that the individual there exists in housing loans having keeps watch。
Key words：Commercial Banks；Individual housing loans；Risk Analysis；Guard countermeasure 。
目 录
个人住房抵押贷款风险探析 - 3 -
一、美国次贷危机的启示 ..................................................................................................................... 1 二、我国商业银行个人住房贷款特点 ................................................................................................. 2
（一）贷款对象特殊 ..................................................................................................................... 3 （二）贷款用途专一 ..................................................................................................................... 3 （三）贷款数量较大 ..................................................................................................................... 3 （四）贷款期限较长 ..................................................................................................................... 4 （五）偿还方式特殊 ..................................................................................................................... 4 三、个人住房贷款的风险隐患分析 ..................................................................................................... 4
（一）借款人还款能力带来的风险 ............................................................................................. 4 （二）借款人恶意不及时偿还贷款 ............................................................................................. 6 （三）非真实交易造成的风险 ..................................................................................................... 6 （三）商业银行自身管理薄弱导致的风险 ................................................................................. 8 （四）开发商经营不善导致的风险 ............................................................................................. 9 （五）抵押物处置引起的风险 ..................................................................................................... 9 （六）法律法规的不健全给按揭业务带来的风险 ................................................................... 10 （七）其他不可抗力风险 ............................................................................................................11 四、个人住房贷款风险防范对策 ........................................................................................................11
（一）尽快建立完善的个人信用体系 ....................................................................................... 12 （二）建立对房地产公司、中介公司以及评估机构的制约机制 ........................................... 16 （三）加强银行自身管理 ........................................................................................................... 17 （四）建立健全个人住房贷款的法律体系 ............................................................................... 18 结束语 .................................................................................................................................................. 19 参考文献： .......................................................................................................................................... 20