中国建设银行个人住房贷款业务风险管理研究ResearchonRiskManagementofPersonalHousingLoanBusinessofChinaConstructionBank摘要目前，随着我国的房产行业迅速发展，其市场资源也相对丰富，交易市场也比较旺盛，因此使各大商业银行的个人住房贷款业务也随之得到了相应的发展，从而实现了全国的个人住房贷款业务快速增长，而且这种增长与往年比相对更加强劲。近年来由于中国宏观经济低迷，商业银行个人住房贷款业务的风险系数也在逐步增加，个人住房贷款资产质量的下滑趋势明显，这说明银行住房贷款业务的办理与审核的流程中存在一定的问题，对商业银行长远的发展一定有不好的影响。所以对于商业银行来说，做好不断发展银行业务的同时处理好风险管理的问题，并不是一件易事。目前中国建设银行的个人住房贷款服务是相当全面的，涵盖的范畴也是相当宽泛的，不管是个人短期住宅装修房贷，还是长期抵押按揭，又或者个人公积金房贷等，均可以享受到建行的一站式全面的服务，为居民的个人购房提供了很大的方便。与此同时，建设银行仍面临着部分个人房贷业务风险与风险管理的问题。本文通过剖析中国建设银行的个人住房贷款业务发展现状以及风险构成、面临的新问题，并提供有关优化个人住房贷款风险管理的措施与意见，以期待更好地促进建行个人住房贷款业务风险管理的改革创新。关键词：个人住房贷款；风险管理；中国建设银行ResearchonRiskManagementofPersonalHousingLoanBusinessofChinaConstructionBankAbstractAtpresent,alongwiththeinstantdevelopmentofChina'srealestateindustry,itsmarketresourcesarerelativelyabundantandthemarketisstrong,therefore,thepersonalhousingloanbusinessofmajorcommercialbankshasalsobeendevelopedaccordingly,soastorealizethecountry'srapidgrowthofindividualhousingloanbusiness,andthisgrowthisrelativelystrongerthaninpreviousyears.Inrecentyears,duetoChina'smacroeconomyandtheriskfactorofcommercialbanks'personalhousingloanbusinessisalsograduallyincreasing,thedownwardtrendintheassetqualityofindividualhousingloanisobvious,sothisshowsthattherearecertainproblemsintheprocessofhandlingandreviewingthebank'shousingloanbusiness,whichhasacertainbadimpactonthelong-termdevelopmentofcommercialbanks,soitisnotaneasytaskforcommercialbankstocontinuouslydevelopbankingbusinesswhiledealingwithriskmanagement.ChinaConstructionBankindividualhousingloanserviceisquitecomprehensiveandthecategoryofthecoverisquitebroad,whethershort-termpersonalhousedecorationhousing,orlong-termmortgages,orpersonalaccumulationfundloans,etc,youcanenjoytheone-stopcomprehensiveserviceofCCB,whichprovidesgreatconvenienceforresidentstobuyapersonalmortgage.EvenifChinaConstructionBankdoessocomprehensively,itstillconfrontssomeoftherisksandriskmanagementproblemsofthepersonalmortgagebusiness.ThisarticleanalyzesthedevelopmentofpersonalhousingloanservicesofChinaConstructionBank,itsriskcompositionandnewproblems,andprovidingmeasuresandopinionsonoptimizingtheriskmanagementofpersonalhousingloan,andwehopetobetterpromotethereformandinnovationofpersonalhousingloanserviceriskmanagementofChinaConstructionBank.KeyWords：PersonalHousingLoanBusiness;RiskManagement;ChinaConstructionBank目录摘要................................................................................................................................IAbstract..............................................................................................................................II一、引言........................................................................................................................1（一）研究背景....................................................
