个人住房贷款风险及其防范分析——以中国建设银行为例

Personal Housing Loan Risk and Its Prevention Analysis——Taking China Construction Bank as an Example

个人住房贷款业务是商业银行的主要资产业务之一。它是指商业银行向借款人开放的,用于借款人购买首次交易的住房(即房地产开发商或其他合格开发主体开发建设后销售给个人的住房)的贷款。以中国建设银行为例,从三个部分对中国建设银行的个人住房贷款风险及其防范进行分析:一是中国建设银行个人住房贷款风险分类,二是引起中国建设银行个人住房贷款风险的原因,三是针对以上问题提出的防范措施。

Personal housing loan business is one of the main assets of commercial banks.It means a loan that commercial banks are opened to borrowers who buy their first houses.(The houses that real estate developers or other qualified development entities sell to individuals after development.)Taking China Construction Bank as an example,this paper analyzes the risk of personal housing loan and its prevention from three parts: the first part is the risk classification of personal housing loan of China Construction Bank,the second part elaborates the causes of personal housing loan risks of China Construction Bank in detail,the third part also puts forward personal suggestions for the above problems.