个人住房消费信贷中存在的问题及对策

Problems of and Counter Solutions to Personal Housing Credit

近年来,商业银行把个人住房贷款看作是优质贷款品种,因此一直大力发展该项业务。但是,根据国际经验,个人住房贷款的风险暴露期通常为4-8年,中国个人住房贷款可能刚开始进入到风险暴露期。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。本文用博弈的观点解释了消费信贷中借款人违约的内在动机,从制度的角度阐述发生违约所存在的客观环境,对个人住房消费信贷中产生风险的原因进行了多方面的分析,试图提出相关的思考和建议。

In recent years, Chinese commercial banks regard the personal homing loan as the high-quality loan, so it has been developing business of personal housing loan in a more cost-effective manner all the time. However, according to international experience,it is usually from the 4th to 8th year that risk of the personal housing loan exposes. Now,personal housing loan of China may begin to be exposed to risk. So it is particularly important to understand the risk correctly and take precautions against the risk existing in business. This paper expounds the interior motivation of loaners in personal housing credit, analyses the objective surroundings of default and puts forward relative thinkings and advice.