I摘要目前国内金融产业得到良好发展，大众生活质量持续提升。生活水平和消费能力也得到了很大的进步，引商业银行面临着越来越激烈的竞争，迎接很多挑战，尤其是房地产市场火爆异常，买房热情已经成为一种独特的社会现象。随着房价持续上涨,大多数人都选择贷款的方式来买房,因此住房贷款业务成为商业银行收入的主要增长点之一。这对银行的生存和发展起着非常重要的作用。而且我国房地产市场的价格上涨过快，使得其中存在着大量的泡沫现象,致银行面临许多显见的和潜在的风险。因此，本文以商业银行房贷为切入点，在论述银行房贷的含义，特点和现状，还研究存在的问题，并研究的问题上分析出银行放贷潜在的各种风险的类型，形成原因，最后对商业银行房贷风险防范措施存在的不足提出相应的预防措施和解决方案。关键词：商业银行；房贷；风险；防范ABSTRACTIIWith the rapid development of our financial industry, people's economic level has been improved, and the living standards and consumption ability have also been greatly improved. The commercial banks are facing more and more fierce competition and meet many challenges, especially in the real estate market. The enthusiasm for buying a house has become a unique society. Elephants. As housing prices continue to rise, most people choose loans to buy houses, so the housing loan business has become one of the main growth points of commercial banks' income. This plays a very important role in the survival and development of banks. Moreover, the price of China's real estate market is rising too fast, which causes a lot of bubbles in the real estate market, causing banks to face many obvious and potential risks. Therefore, this article takes the commercial bank mortgage as the breakthrough point, discusses the meaning, the characteristics and the present situation of the bank mortgage, and studies the existing problems, and analyses the types of the potential risks of the bank lending, the reasons for the form...
