我国商业银行房贷风险与防范

摘要:随着社会的进步与发展,个人贷款买房逐渐成为新型的购房方式。通过商业银行住房贷款，可以有效缓解因资金不足而短时间内无法购房的困境。但是，对于商业银行而言，个人房贷的办理还是存在有一定风险的，如果不做好有效防范的话，就会产生一定的影响。基于这样的现实背景，文章以“商业银行房贷”为主要研究对象，深入剖析其所面临的各种风险，并就如何做好防范提出切实可行的建议与对策。文章对商业银行个人房贷的发展历程与现状进行了详细、深入的分析，并就发展历程中面临的一些难题与困境进行了探讨，最终提出了切实可行的建议与对策，希望能够有效规避商业银行个人房贷所面临的各种风险。51176

毕业论文关键词：商业银行；房贷；风险；防范

Abstract With the progress and development of society, personal loans to buy a house has gradually become a new way to purchase. Through commercial bank housing loans, can effectively ease the shortage of funds due to the shortage of housing can not be a short time. However, for commercial banks, personal loans for the management or the existence of a certain risk, if not effectively prevent the words, it will have a certain impact. Based on this background, the article takes the "commercial bank loans" as the main research object, analyzes the various risks, and puts forward practical suggestions and Countermeasures on how to prevent them. In the development process and current situation of personal loans of commercial banks were detailed and in-depth analysis, and on the development process in the face of some problems and difficulties are discussed, and finally puts forward some feasible suggestions and countermeasures, hope to be able to effectively circumvent the risks faced by the commercial banks of inpidual housing loan.

Key words:Commercial bank; mortgage; risk; prevention

一、引言 5

(一）选题背景与研究意义 5

（二）相关文献综述回顾 6

(三）研究的主要内容、方法和重点 6

二、商业银行住房贷款的相关概念 7

（一）个人住房贷款的分类 7

（二）个人住房贷款的主要特点 8

（三）个人住房贷款的流程 8

三、商业银行个人住房贷款的发展历程及现状 9

（一）我国商业银行个人住房贷款的发展历程及现状 9

（二）国外个人住房贷款的发展历程 11

四、商业银行个人住房贷款风险分析 12

(一)个人住房贷款风险理论 12

（二）个人住房贷款主要存在的风险 13

（三）我国个人住房贷款风险成因分析 17

五、我国商业银行个人住房贷款风险的防范措施 19

（一）完善个人房贷保险制度 19

（二）健全银行内部风险监管管理体系 20

（三）创新金融产品 22

（四）健全个人房贷借款人信息管理体系 22

（五）培育房地产抵押二级交易市场 22 我国商业银行房贷风险与防范:http://www.youerw.com/jingji/lunwen_54724.html