个人住房贷款的风险分析及防范对策

Analysis and Countermeasures for the Risks from Individual Housing Loan

随着我国住房制度改革的不断深化、城镇居民购房热情的不断升温,个人住房抵押贷款业务已成为商业银行贷款业务的主要组成部分。然而,现阶段我国个人住房贷款业务处于发展初期,还存在很大的风险和隐患。本文分析了个人住房贷款中存在的风险并提出了相应的风险防范对策。

With the deep reform of housing system, enthusiasm for people to buy houses increases. Individual housing loan has become an important part of loan business for commercial banks. However, individual housing loan is yet in its initial developmental stage. There remain many risks on which this paper provides an analysis and offers related countermeasures.