浅析商业银行个人住房贷款风险及防范对策

Risks and Prevention Countermeasures of Individual Housing Loans of Commercial Banks

个人住房贷款业务是目前商业银行非常关键的信贷业务之一,但是大多数商业银行对此业务管理上重收益轻风险,给该业务持续健康发展带来了隐患。在分析个人住房贷款业务的发展现状的前提下,主要探讨商业银行个人住房贷款业务面临的开发商风险、借款人风险以及银行内部风险,同时对银行个人住房贷款业务如何进行风险防范提供了相应的建议和措施。

Individual housing loan business was one of the most important credit business of commercial banks at present,but most commercial banks had the potential risk of heavy return on business management.Based on the analysis of the status quo of the development of individual housing loan business,the developer risk,the risk of borrower and the internal risk of the individual housing loan business of commercial banks were mainly discussed,and also the corresponding measures for how to prevent the risk of personal housing loan business were put forward.