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1、南京理工大学硕士学位论文我国商业银行个人住房贷款风险及防范研究姓名：杨正美申请学位级别：硕士专业：金融学指导教师：周明伟201203伞人隹械款从衲無嬲歸銅躁t蠱轉瞬辭魄曲是商业颐最鱷的经駢刚鋤畑点。加礪周知/MS代病筋隸质綾健轍阀毎林给商业餵締B陋观的缀稠隘川個是，个1U瞪减就魁险甘早漏霽娼彌貉络商业银紡带采巨如的经辭损失。咽此“在融嘱徊船笛理中介范不可避馳酗Mg如鹼輸紬。近几年，我国个人住房贷款在迅速发展的同时其风险也在逐渐暴露，为了保障现有市场环境下个人住房贷款的稳定健康发展，商业银行对其风险的防范越来越重要。对国内商业银行个人住房贷款风险及防范
2、进行研究，目的是加深对个人住房贷款风险的认知，加强对个人住房贷款风险的防范。本文首先描述我国商业银行个人住房贷款风险的现状，并论述其成因，其次分析我国现阶段面临的主要风险类型,最后在借鉴美国和香港个人住房贷款风险防范成功经验的基础上，从商业银行的角度考虑，建议针对借款人.开发商、利率、抵押物和银行内部等五方面进行风险防范。擁阑：瀛擁絡个人舫隽靱，网躺防爾范AbstractIfiffiVidualhousingloansfrom1985todatehasbecomethemostimportantvarietiesofloansinChinesecom
3、mercialbanks,itisalsothemostimportanteconomicgrowthpointsofcommercialbanks.Asallknow,individualhousingloanscanSustainableandhealthydevelop,commercialbankswillearnconsiderableeconomicbenefits,iftherearerisksandexposedinindividualhousingloans,commercialbankswillbringh*脚証onomiclos
4、ses.Therefore,inriskmanagementofcommercialbanks,individualhousingloanswilPbecomeinevitablythemostimportantpartofthecontent.Inrecentyears,China'sindividualhousingloanswiththedevelopmentatthesametimeitsriskisalsograduallyexposed,inordertoprotectthatindividualhousingloanscaSWbff:，
5、^ndhealthydevelopintheexistingmarketenvironment,riskpreventionofindividualhousingloansofcommercialbanksisbecomingmoreandmoreimportant.Studyonriskandpreventionofindividualhousingloansofdomesticcommercialbanks,theaimisunderstooddeeplyaboutriskofindividualhousingloans,itisintensiv
6、eonriskpreventionofthedomesticcommercialbankindividualhousingloans.Inthearticle,firstIdE删曲WkofChina'scommercialbanksindividualhousingloans,anddiscussthecauseofrisk,thenextIanalyzerisktypeinthepresentstageinourcountry,lastonbasisri钗电龙牠ricnceofindividualhousingloansfromtheUnitedS
7、tatesandHongKong,™viewo?riskproblemsinourcountrycommercialbankindividualhousingloansfromthepointbanks,recommendfromborrower,developer,interefetHfaWttiortgagebonowers,internalofcommercialbankandsoontoproceedriskprevention.KeyWords：CommercialBanks,IndividualHousingLoan,Risk,Preve
8、ntion1引言1985年，为了解决城镇广大居民住房困难的问题，建行深圳分行发放了第一笔个人住房贷款，拉开了
