商业银行个人住房贷款风险研究

摘要I摘要从1985年中国建设银行深圳市分行发放第一笔国内个人住房贷款起，至今已有28年的发展历史。随着国民经济的发展，商业银行个人住房贷款已经在提高城镇居民人居环境和改善国民居住条件上发挥了重大的作用，也达到了应有的效果。我国商业银行发放个人住房贷款不仅提升了自己的产品多样化服务而且增加了新的盈利增长点。在支持国民经济特别是在房地产市场发展方面起到重大的作用。近年来朝着规模化、全面化的方向发展，可谓是实现了互惠双赢的效果。但凡贷款都会存在风险，商业银行个人住房贷款也不例外。本文在借阅国内外学者研究的基础上,综合我国个人住房贷款的现状,对我国商业银行个人住房贷款风险进行分析,并找出有关原因,提出较为可行的方法措施和具体方案，给商业银行规避风险健康经营管理提供了可行性的参考思路。关键词：商业银行；个人住房贷款；风险；防范西安交通大学城市学院本科生毕业设计（论文）IIABSTRACTStartingfrom1985,ChinaConstructionBank,ShenzhenBranchissuedthefirstdomestichousingloanstoindividuals,hasmorethan28yearsofdevelopmenthistory.Withthedevelopmentofthenationaleconomy,theindividualhousingloansofcommercialbanksinimprovingthelivingenvironmentofurbanresidentsandtoimprovethethenationalslivingconditionsplayedamajorrole,butalsotoachievethedesiredeffect.China'scommercialbankstoissueindividualhousingloansnotonlytoenhancetheirownproductdiversificationandaddedanewprofitgrowthpoint.Insupportingthenationaleconomy,especiallyintherealestatemarketdevelopmentplayamajorrole.Inrecentyearstowardthedevelopmentoflarge-scale,comprehensivedirection,canbedescribedasawin-wineffect.Providedthattheloanwillbeatrisk,thecommercialbankhousingloanstoindividualsisnoexception.BorrowscholarsathomeandabroadonthebasisofcomprehensiveanalysisofindividualhousingloansinChinathestatusquoofChina'scommercialbankspersonalhousingloanriskandfindoutthereasonsputforwardamorefeasiblemethodmeasuresandspecificprograms.Tocommercialbanksrisk-aversehealthoperationandmanagementofprovidefeasibilityreferenceideas.KEYWORDS:CommercialBanks;IndividualHousingLoans;Risk;Prevention目录III目录1绪论...........................................................................................................................11.1研究背景与意义.......................................................................................................11.2研究方法与思路.......................................................................................................11.3论文结构与框架.........................................................................................................21.4国内外研究现状.........................................................................................................31.4.1国内研究现状................................................................................................31.4.2国外研究现状................................................................................................41.4.3国内外研究现状的比较..............................................................................42我国商业银行个人住房贷款现状...................................................................................52.1个人住房贷款概述.....................................................................................................52.2个人住房贷款存在的问题.......................................................................................63我国商业银行个人住房贷款风险分析........................................................................73.1信用风险.......................................................................................................................73.1.1信用风险的种类............................................................................................73.1.2理性违约和被动违约...................................................................................83.1.3市场（房价）对信用风险的影响............................................................83.2利率风险........................................................................................................................93.2.1我国近年来利率的变动...............................................................................93.2.2利率变动对我国个人住房贷款风险的影响.........................................103.3抵押物风险..................................................................................................................103.3.1抵押物风险的生成机制..............................................................................103.3.2抵押物风险的种类.....................................................................................103.4银行内部风险............................................................................................................113.4.1流动性风险.....................................................................................................113.4.2操作风险.........................................................................................................124我国商业银行个人住房贷款风险成因及防范方法.................................................144.1个人住房贷款风险成因.........................................................................................144.1.1商业银行内部管理不力，缺乏激励和约束机制................................144.1.2外部环境不完善尤其是社会缺乏诚信意识.........................................144.1.3市场体系发展滞后.......................................................................................144.1.4政府职能缺失................................................................................................154.1.5居民收入货币化程度较低基本无透明度..............................................154.2我国商业银行个人住房贷款风险防范.................................................................154.2.1对借款人风险的防范...................................................................................164.2.2对开放商的风险防范.