个人住房贷款风险及其防范措施

Individual Housing Loan Risk and Its Prevention Measures

在分析个人住房贷款的风险来源的基础上,提出了可采取的风险防范措施,包括建立个人房贷信用档案、不断寻找优质客户、降低操作风险、实现风险转移等防范建议。

Based on the analysis of individual housing loan risk sources, the risk prevention measures, including the establish-ment of individual housing loan credit archives, the author constantly looked for quality customers, reduced operating risk, implementation risk transfer prevention suggestions.