当前我国商业银行个人住房贷款的风险及对策探析  

Risks and Countermeasures of Current China's Commercial Banks' Individual Housing Mortgage

作　　者：路君平[1] 糜云 

机构地区：[1]中国人民大学财政金融学院 [2]中油财务有限责任公司

出　　处：《中国社会科学院研究生院学报》2010年第6期45-49,共5页Journal of Graduate School of Chinese Academy of Social Sciences

摘　　要：自1998年国家停止福利分房以来,商业银行个人住房抵押贷款业务已成为我国居民购买住房的主要融资模式,也是我国商业银行贷款业务中重要的项目。近几年来,个人住房抵押贷款业务已逐渐成为各商业银行的核心业务之一,其规模在银行资产中的比重呈现上升趋势。然而近年来银行实际运作情况表明:个人住房贷款业务的安全性不容乐观,贷款风险正在日益增加,正逐步进入风险暴露期。当前在房地产市场调控政策出台的背景下,有必要重新对我国商业银行个人住房抵押贷款的业务现状及风险进行研究,并找出有效的防范措施。Since 1998 when our country stopped welfare housing,commercial banks＇ Individual Housing Mortgage had become the main financing mode for Chinese citizen to purchase houses,also an important project of China＇s commercial banks＇ loan business.In Recent years,Individual Housing Mortgage has gradually become one of the core businesses of commercial banks,and its proportion in banks＇ assets is appearing a raising trend.However,the actual operation of China＇s commercial banks in recent years shows that the business security of Individual Housing Mortgage isn＇t optimistic;whose credit risk is increasing and gradually entering the period of exposure.With the implementation of real estate regulation policy,it＇s necessary for us to study the current situation and risks of China＇s commercial banks＇ Individual Housing Mortgage,and suggest effective preventive measures.

关 键 词：房地产调控政策 住房抵押贷款 风险分析 

分 类 号：F832.4[经济管理—金融学] F293.3