完善商业银行住房抵押贷款风险管理

On Perfecting the Risk Management of Commercial Bank Housing Mortgage Loan

随着房地产价格出人意料地上涨,我国住房抵押贷款的风险已经越来越大,与此同时,贷款人的偿付压力也随之增大。通过对我国商业银行住房抵押贷款所面临风险的分析,采取一系列相应的控制对策,能有效减低商业银行住房抵押贷款的风险。

With the unexpected rising of real estate price, the risk of housing mortgage loan is getting higher and higher in our country. Meanwhile, the repayment pressure of the lender is increasing. This paper analyzes the risk of commercial bank housing mortgage loan in our country and suggests that to take corresponding control measures can effectively reduce the risk.