论商业银行个人住房贷款的风险及防范

Risk and precautions in commercial bank's personal housing loan

目前,我国已经进入了个人住房贷款风险暴露和显现的高危时期。如果商业银行不能对当前个人住房贷款面临的潜在风险进行有效的识别与控制,那么,未来个人住房贷款的快速扩张反而可能成为商业银行的一个不容忽视的风险源。因此,正确认识并努力防范当前个人住房贷款业务存在的风险尤为重要。通过分析个人住房贷款的风险类型及成因,提出四种防范风险的方法:建立个人信用体系;规范银行操作流程;推进资产证券化的发展;建立完善的保险机制。

It is high time that the risk of personal housing loan was possible to appear. If the commercial bank can＇ t realize and control the potential risk brought up by the present personal housing loan, the fast expansion of personal housing loan may become a risk source that can＇t be ignored by the commercial bank. So, it is particularly important to know it correctly and take precautions against the risk existing in business of the present personal housing loan. In this assay, I have analyzed the type and the cause of risk from the housing loan, proposed four suggestions to prevent the risk. First, establish the system of personal credit; second, standardize the course of operating of the bank; third, advance the development of securitization of esset; finally, set up perfect insurance mechanism.