商业银行个人住房抵押贷款风险与防范

Prevention and Risk of Personal Housing Mortgage Loan in Commercial Banks

我国商业银行房地产抵押贷款业务中的房地产购买对象包括了个人以及房地产两个具体的方面,本文是对个人住房的抵押贷款的风险及防范进行研究。本文从商业银行个人住房抵押贷款的概念出发,对其风险现状以及行程原因进行分析,从而提出有效的对风险进行防范的对策,以此避免其风险的发生,实现业务可持续发展。

Our country commercial bank real estate purchase of real estate mortgage business objects include personal and property two specific aspects, this article is about the risk of personal housing mortgage loans and protection were studied. In this paper, starting from the concept of commercial Banks personal housing mortgage loan, analyzes its present situation and the causes of stroke risk, and then puts forward the effective countermeasures to guard against risks, so as to avoid the happening of the risk, realize sustainable development of the business.