内容摘要个人住房贷款从1985年开展至今已经成为商业银行最重要的贷款品种,也是商业银行最重要的经济利益增长点。众所周知,个人住房贷款持续健康发展,将给商业银行带来可观的经济利益,但是,个人住房贷款风险一旦暴露出来,将给商业银行带来巨大的经济损失。因此,在商业银行风险管理中,个人住房贷款风险防范不可避免的成为最重要的一部分研究内容。近几年,我国个人住房贷款在迅速发展的同时其风险也在逐渐暴露,为了保障现有市场环境下个人住房贷款的稳定健康发展,商业银行对其风险的防范越来越重要。对国内商业银行个人住房贷款风险及防范进行研究,目的是加深对个人住房贷款风险的认知,加强对个人住房贷款风险的防范。本文首先描述我国商业银行个人住房贷款风险的现状,并论述其成因,其次分析我国现阶段面临的主要风险类型,最后在借鉴美国和香港个人住房贷款风险防范成功经验的基础上,从商业银行的角度考虑,建议针对借款人、开发商、利率、抵押物和银行内部等五方面进行风险防范。关键词：商业银行；住房贷款；风险防范AbstractSince1985,personalhousingloanhasbecomethemostimportantloanvarietyofcommercialbanks,anditisalsothemostimportanteconomicinterestgrowthpointforcommercialbanks.Asweallknow,thesustainedandhealthydevelopmentofpersonalhousingloanwillbringconsiderableeconomicbenefitstocommercialbanks.However,oncetheriskofpersonalhousingloanisexposed,itwillbringhugeeconomiclossestocommercialbanks.Therefore,intheriskmanagementofcommercialbanks,theriskpreventionofindividualhousingloansinevitablybecomesthemostimportantpartoftheresearch.Inrecentyears,China'spersonalhousingloanisdevelopingrapidly,anditsriskisalsograduallyexposed.Inordertoprotectthestableandhealthydevelopmentofindividualhousingloansunderthecurrentmarketenvironment,itismoreandmoreimportantforcommercialbankstoguardagainsttheirrisks.Theriskandprecautionofpersonalhousingloanindomesticcommercialbanksarestudiedinordertodeepentherecognitionoftheriskofpersonalhousingloanandstrengthentheprecautionofpersonalhousingloanrisk.ThispaperfirstdescribesthestatusofChina'scommercialbankspersonalhousingloanrisk,anddiscussesitsorigin,thenanalyzesthemainrisktypesfacedatthepresentstageofourcountry,finallyfromtheUnitedStatesandHongkongindividualhousingloanriskpreventiononthebasisofsuccessfulexperience,consideringfromtheperspectiveofcommercialbanks,suggestionsforborrowers,developers,mortgageinterestrates,andwithintheBankfiveaspectsofriskKeywords:Commercialbanks;housingloans;riskprevention目录1.个人住房贷款现状.............................................31.1个人住房贷款风险加大....................................31.2国家加大对住房贷款的调控力度............................32个人住房贷款的有关风险.......................................42.1市场和政策的变化风险....................................42.2信用风险................................................42.3流动性风险..............................................42.4个人贷款中各项目比例不协调..............................53.个人住房贷款风险的成因.......................................53.1资金结构比例不协调......................................53.2业务操作标准不完善......................................63.3风险控制和防范制度不健全................................63.4贷款人还款能力弱........................................74.应对个人住房贷款风险的对策...................................74.1调整资金结构，建立和完善个人住房贷款的保险制度..........74.2提高房贷业务人员素质....................................84.3加强商业银行自身的内控管理,维护金融市场的有序发展.......94.4健全对借...
