个人住房贷款现况与发展趋势分析  

Analysis of the Current Situation and Development Trends of Personal Housing Loans

作　　者：赖雯嫣 霍蕾[1] 

机构地区：[1]华南理工大学艺术学院,广东广州511400

出　　处：《中国房地产业》2023年第23期14-17,共4页China Real Estate

摘　　要：近年来,我国个人住房贷款余额快速增长,长期占据住户部门贷款余额的半壁江山,相关风险也成为"灰犀牛",可能对银行业发展乃至经济大局平稳健康发展产生影响.本文基于我国六大商业银行近五年的年报数据,对各银行个人贷款业务的现状与发展趋势进行了分析.结果表明,当前我国个人住房贷款仍然在持续增长之中.虽然突发性冲击会对对商业银行的个人住房贷款业务产生一定影响,但在人民银行等宏观调控部门和各级政府的支持下,个人住房贷款业务会继续健康发展.In recent years,the balance of personal housing loans in China has grown rapidly,accounting for half of the total loan balance in the household sector for a long time.The related risks have also become"grey rhinoceros",which may have an impact on the development of the banking industry and even the overall stable and healthy development of the economy.This article analyzes the current situation and development trend of personal loan business of six major commercial banks in China based on their annual report data over the past five years.The results indicate that personal housing loans in China are still continuously increasing.Although sudden shocks may have a certain impact on the personal housing loan business of commercial banks,with the support of macro regulatory departments such as the People's Bank of China and governments at all levels,the personal housing loan business will continue to develop healthily.

关 键 词：商业银行 房地产贷款 个人住房贷款 信贷风险 

分 类 号：F83[经济管理—金融学]