摘要摘要从1985年中国建设银行深圳市分行发放第一笔国内个人住房贷款起，至今已有28年的发展历史。随着国民经济的发展，商业银行个人住房贷款已经在提高城镇居民人居环境和改善国民居住条件上发挥了重大的作用，也达到了应有的效果。我国商业银行发放个人住房贷款不仅提升了自己的产品多样化服务而且增加了新的盈利增长点。在支持国民经济特别是在房地产市场发展方面起到重大的作用。近年来朝着规模化、全面化的方向发展，可谓是实现了互惠双赢的效果。但凡贷款都会存在风险，商业银行个人住房贷款也不例外。本文在借阅国内外学者研究的基础上,综合我国个人住房贷款的现状,对我国商业银行个人住房贷款风险进行分析,并找出有关原因,提出较为可行的方法措施和具体方案，给商业银行规避风险健康经营管理提供了可行性的参考思路。关键词：商业银行；个人住房贷款；风险；防范ABSTRACTStartingfrom1985,ChinaConstructionBank,ShenzhenBranchissuedthefirstdomestichousingloanstoindividuals,hasmorethan28yearsofdevelopmenthistory.Withthedevelopmentofthenationaleconomy,theindividualhousingloansofcommercialbanksinimprovingthelivingenvironmentofurbanresidentsandto1摘要improvethethenationalslivingconditionsplayedamajorrole,butalsotoachievethedesiredeffect.China'scommercialbankstoissueindividualhousingloansnotonlytoenhancetheirownproductdiversificationandaddedanewprofitgrowthpoint.Insupportingthenationaleconomy,especiallyintherealestatemarketdevelopmentplayamajorrole.Inrecentyearstowardthedevelopmentoflarge-scale,comprehensivedirection,canbedescribedasawin-wineffect.Providedthattheloanwillbeatrisk,thecommercialbankhousingloanstoindividualsisnoexception.BorrowscholarsathomeandabroadonthebasisofcomprehensiveanalysisofindividualhousingloansinChinathestatusquoofChina'scommercialbankspersonalhousingloanriskandfindoutthereasonsputforwardamorefeasiblemethodmeasuresandspecificprograms.Tocommercialbanksrisk-aversehealthoperationandmanagementofprovidefeasibilityreferenceideas.KEYWORDS:CommercialBanks;IndividualHousingLoans;Risk;Prevention目录1绪论...........................................................................................................................11.1研究背景与意义.......................................................................................................11.2研究方法与思路.......................................................................................................11.3论文结构与框架.........................................................................................................21.4国内外研究现状.........................................................................................................31.4.1国内研究现状................................................................................................31.4.2国外研究现状................................................................................................41.4.3国内外研究现状的比较..............................................................................42我国商业银行个人住房贷款现状...................................................................................52.1个人住房贷款概述.....................................................................................................52.2个人住房贷款存在的问题.......................................................................................63我国商业银行个人住房贷款风险分析........................................................................72摘要3.1信用风险..................................
