浅析我国商业银行个人住房抵押贷款风险的若干问题  

The Analysis of the Risk of the Personal Housing Mortgage Loans in Our Country's Commercial Banks

作　　者：徐艳[1] 

机构地区：[1]青岛大学经济学院,山东青岛266071

出　　处：《青岛职业技术学院学报》2009年第2期71-73,共3页Journal of Qingdao Technical College

摘　　要：首先阐述了我国商业银行个人住房抵押贷款业务的发展现状及存在的风险,说明加强商业银行个人住房抵押贷款风险防范的现实性和必要性;其次,根据个人住房抵押贷款自身特性及其内外部影响因素,详细分析了我国商业银行个人住房抵押贷款主要面临的八大风险;最后,针对我国商业银行个人住房抵押贷款业务所面临的风险,提出了应该采取的风险化解和风险防范措施。This paper first expounds the development of the housing mortgage loans in China＇s commercial banks and the risk of this business, the reality and necessity to strengthen the risk prevention system of the commercial banks. Secondly, according to the characteristics of personal housing mortgage loans and its external influences, it makes a detailed analysis of the eight major risks in personal housing mortgage loans in China＇s commercial banks. Finally, it advances we should take the risk prevention measures to prevent the risks faced by China＇s commercial banks in the personal housing mortgage loan business.

关 键 词：商业银行 个人住房抵押贷款 抵押贷款风险 

分 类 号：F832.479[经济管理—金融学]