北京市个人住房消费信贷风险成因及对策研究

Study on the factors inducing credit risk and the countermeasures of personal housing consumption in Beijing

对北京市个人住房消费信贷风险成因进行了详细分析,借鉴国内外先进的风险管理理论和技巧,探索和研究如何将风险管理策略引入北京市个人住房消费信贷业务,从银行内外四个方面建立起适合北京市的个人住房消费信贷风险防范体系。

Based on previous housing theory of consumption credit,all kinds of factors inducing credit risk of personal housing consumption in Beijing are analyzed. How to use these advanced risk management techniques from domestic and international in credit management of personal housing consumption is discussed,and countermeasure systems are suggested.