我国商业银行个人住房抵押贷款风险防范研究摘要在我国，个人住房贷款是一项中长期贷款品种，因为有房产作为抵押，分期还款金额小且风险分散，加之贷款用途的真实性有保障，被认为是银行最安全的资产产品之一。同时，由于经济下行期企业贷款投向的匿乏，使个人住房贷款成为了银行确保信贷规模和投向的调节器，各商业银行发展的冲动高涨，风险控制的意识有所淡化。个人住房贷款业务近年来得到了迅速发展，但不良贷款的风险也在逐步増大。因此，认清风险并采取措施具有非常深刻的意义。本文第一部分主要介绍了选题的背景和意义。第二部分主要介绍了个人住房抵押贷款的特点以及风险的分类。第三部分主要以济南为案例具体分析商业银行个人住房抵押贷款的风险。第四部分主要介绍了应对商业银行个人住房抵押贷款的防范措施。关键词：商业银行；个人住房抵押贷款；风险防范ResearchOnTheRiskPreventionOfPersonalHousingMortgageLoanInChina'sCommercialBanksABSTRACTInourcountry,personalhousingloanisamediumandlongtermloanvariety.Becauserealestateissecuredasamortgage,therepaymentamountissmallandtheriskisdispersed,andtheauthenticityoftheloanisguaranteed.Itisconsideredtobeoneofthesafestassetproductsofthebank.Atthesametime,becauseofthelackofenterpriseloanintheeconomicdownturnperiod,thehousingloanhasbecometheregulatorofthebanktoensurethecreditscaleandinvestmentdirection.Theimpulseofthedevelopmentofcommercialbanksisincreasingandtheconsciousnessofriskcontrolhasbeenweakened.Theindividualhousingloanbusinesshasbeendevelopingrapidlyinrecentyears,buttheriskofbadloansalsograduallyincreases.Therefore,itisofgreatsignificancetorecognizetherisksandtakemeasures.Thefirstpartofthispapermainlyintroducesthebackgroundandsignificanceofthetopic.Thesecondpartmainlyintroducesthecharacteristicsofthepersonalhousingmortgageloanandtheclassificationoftherisk.ThethirdpartmainlytakesJi'nanasacasetoanalyzetheriskofpersonalhousingmortgageloanincommercialbanks.Thefourthpartmainlyintroducesthepreventionmeasurestodealwiththepersonalhousingmortgageloanofcommercialbanks.Keywords：Commercialbank;Personalhousingmortgageloan;Riskprevention目录一、引言..............................................................................................................................................................1（一）选题背景和意义..................................................................................................................................1（二）国内外个人住房抵押贷款风险研究的现状...............................................................................11.国外研究现状..........................................................................................................................................12.国内研究现状........................................................................................................................................2（三）论文贡献与不足..................................................................................................................................2二、商业银行个人住房抵押贷款风险的理论分析...........................................................................................2（一）个人住房贷款含义和特征..........................................................................................................21.个人住房抵押贷款的定义......................................................................................................................22．个人住房抵押贷款的特点...............................................
