浅析我国商业银行个人住房贷款的风险管理摘要个人住房贷款业务一直以可靠的担保、较高的收益受到各家商业银行的青睐。然而由于我国个人住房贷款业务存在内部系统不完善、风险防范机制不健全等原因，给商业银行带来了一定程度上的风险隐患。本文从我国商业银行个人住房贷款现状入手，分析商业银行个人住房贷款业务存在的风险，并提出风险管理措施，以期为商业银行个人住房贷款业务的风险规避提供借鉴。关键词：商业银行；个人住房贷款；风险管理AnalysisofIndividualHousingLoansofCommercialBanksinRiskManagementAbstract：Individualhousingloanbusinesshasbeenareliableguaranteehigherreturnsthefavorbycommercialbanks.However,duetotheexistenceofindividualhousingloanbusinesswithinthesystemsareimperfect,riskpreventionmechanismisnotperfectandotherreasons,toacertaindegreeofcommercialbanksonthepotentialrisksatthesametime,countriesaretoimplementtightmonetarycontrolpolicy,theloanthresholdsteepGrowth,whichistheoperationaleffectivenessofChina'scommercialbankstochallenge.Inthispaper,individualhousingloansofcommercialbanksinthestatusquoofindividualhousingloansofcommercialbanks,businessrisks,andproposedriskmanagementmeasurestoindividualhousingloansforcommercialbankstoprovideareferencetoavoidbusinessrisks.Keywords:Commercialbanks;Individualhousingloan;Riskmanagement目录第1章前言.........................................................11.1研究背景及意义...............................................11.2国内外研究现状及存在的不足...................................11.3本文主要研究内容.............................................2第2章个人住房贷款业务概述.........................................32.1个人住房贷款的概念...........................................32.2个人住房贷款的种类...........................................32.3个人住房贷款的主要特点.......................................32.4个人住房贷款业务的担保方式...................................4第3章我国商业银行个人住房贷款业务概况.............................53.1我国商业银行个人住房贷款业务发展历程.........................53.2我国商业银行个人住房贷款业务现状.............................63.3房地产调控政策对个人住房贷款的影响...........................7第4章我国商业银行个人住房贷款业务的风险..........................104.1内部风险....................................................104.1.1经营风险..............................................104.1.2操作流程风险..........................................104.1.3贷后管理滞后风险......................................104.1.4银行征信系统片面风险..................................114.2外部风险....................................................114.2.1信用风险..............................................114.2.2融资渠道风险..........................................124.2.3抵押房产处置风险......................................134.2.4宏观调控下的经济风险..................................14第5章我国商业银行个人住房贷款风险管理建议........................155.1内部管理....................................................155.1.1银行征信系统的自我完善................................155.1.2鼓励提前还款..........................................155.1.3加强银行自身操作管理..................................155.1.4强化个人住房贷款的贷后管理............................165.1.5加强银行其他业务办理..................................175.2外部防范....................................................175.2.1通过法律规范房地产业..................................17...
