借鉴美国经验,完善我国住房消费信贷风险管理

Improve the Risk Management of China's Housing Loan by Refering to USA's Experience

近年来,我国商业银行住房贷款发展迅猛,其规模在银行资产中的比重迅速上升,不少商业银行将住房贷款视为低风险的贷款品种,并将其作为贷款业务扩张的重点。与此同时,我国商业银行住房消费信贷风险管理方面还存在很多问题。本文介绍了中美商业银行住房消费信贷的发展情况和美国住房信贷风险管理经验,分析我国住房信贷风险管理的局限性,提出在借鉴美国经验的基础上,完善我国商业银行住房信贷风险管理。

In recent years,the housing loan from commercial banks in our country has obtained the swift and violent development,and its scale has got a rapid rise in the bank capital mid-production proportion.Meanwhile,many commercial banks regarde the housing loan as the loan variety of low risk,and take it as the key point to expand the loan business.However,there are some serious problems in the risk management of housing expense credit of commercial banks.This paper presents the current situation of housing consumption loan of commercial banks by referring to American experience in housing credit risk management,and analyzes the existing problems in the housing credit risk management in our country,with the aim to improve the risk management of China's housing consumption loan.