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目录摘要..........................................................................................................................................................................2目录..................................................................................................................................................................................3一、引言.........................................................................................................................................................................4（一）论文研究背景........................................................................................................................................4（二）论文研究的意义...................................................................................................................................4二、个人住房贷款相关概念简介..........................................................................................................................5（一）个人住房贷款的种类..........................................................................................................................51、自营性个人住房贷款.......................................................................................................................52、公积金个人住房贷款.......................................................................................................................53、个人住房组合贷款............................................................................................................................5（二）个人住房贷款信用风险.....................................................................................................................6三、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.........
