房价波动中商业银行住房抵押贷款风险控制研究

Risk Control of Commercial Bank's Housing Mortgage In The Fluctuation of Housing Price

随着我国房地产市场环境的变化,银行房地产贷款的风险也在不断变化。本文具体分析了房地产的特性及其价格影响因素、现阶段我国房地产业的困境、房价调整与银行贷款风险关系的特点,并对银行的风险管理提出相应建议。

Along with our country real estate market environment＇s change, the bank real estate loan＇s risk unceasingly is also changing.this article concrete study real estate＇s characteristic and the price influencing factor, the present stage our country real estate＇s industry difficult position, the adjustment of house price and the bank loan risk relations＇ characteristic, and puts forward the corresponding proposal to the bank risk management.