浅析我国商业银行个人房贷业务的风险防范与控制————以江苏南通为例作者学院南京大学商学院经济学院专业金融学年级成教函授专升本2011级学号Hc1192230010指导教师袁成答辩日期2013.12.14成绩摘要居民的住房需求快速增长，带动了个人住房贷款业务的迅猛发展。这使得个人住房贷款占营业部贷款业务的比重也随之快速上升，从而导致个人贷款不良资产的比重增大。本文以南通中小商业银行为例，通过对营业部个人住房贷款的快速增长的数据对比，发现营业部存在的风险，并针对存在的风险进行营业部内部和外部风险分析，在此基础上，还从增强风险防范意识严格把好审核关提高管理水平和风险控制能力建立个人信用评级制度引入保险机制等方面对个人住房贷款的风险防范提出了相关对策。关键词：个人住房贷款;风险控制;不良贷款AbstractTherapidgrowthinhousingdemandoftheresidents,ledtotherapiddevelopmentofindividualhousingloanbusiness.ThatmakesloansforindividualhousingloansaccountedforsalesofACSintherapidlyrising,leadingtopersonalloansincreasedtheproportionofnon-performingassets.ThistoNantongsmalcommercialbanksforcases,throughonsalespersonalhousingloanoffastgrowthofdatacontrast,foundsalesexistsofrisk,andforexistsofriskforsalesinternalandexternalriskanalysis,thisbasedShang,alsofromenhancedriskagainstconsciousness,andstrictlyputgoodauditshut,andimprovemanagementlevelandriskcontrolcapacity,andestablishedpersonalcreditratingsystemintroducedinsurancemechanism,aspectsonpersonalhousingloanofriskagainstmadehasrelatedcountermeasures.Keywords:individualhousingloans;riskcontrol;non-performingloans：1一二章合并成第一章。第二章第二节和第四章第一节重复，可以去掉。好的2目录列两层就行。小节标题用一个短语的形式，不要出现标点符号。好的3南通不具有代表性，第三章应从全国的角度来讨论现状。全文变为4章4论文篇幅不够，尤其是第三四五章还需要加强论述。好的红的是新加的目录摘要..........................................................................................................................................................................2目录..................................................................................................................................................................................3一个人住房贷款相关概念简介.............................................................................................................................5（一）自营性个人住房贷款................................................................................................................5（二）公积金个人住房贷款................................................................................................................5（三）个人住房组合贷款.....................................................................................................................5二南通商业银行个人住房贷款业务现状.........................................................................................................7（一）个人住房贷款与公司贷款业务相比,具有无可比拟的优势...............................................7（二）南通商业银行个人贷款有国家政策支持...................................................................................7（三）个人住房贷款将会是南通商业银行贷款业务的龙头..........................................................7三商业银行个人住房贷款业务的风险...............................................................................................................8（一）个人住房借款人信用风险..............................................................
