个人住房贷款及其风险与防范的问题研究——以中国农业银行为例

Analysis on Individual Housing Loan,Its Risks and the Prevention——Taking Agricultural Bank of China as an Example

个人住房贷款是商业银行非常重要的一种优质贷款,银行一直把其列为重点发展的对象。本文选择了中国农业银行的个人住房贷款业务为研究对象,分析其发展情况及影响因素,并对农行个人住房贷款存在的问题进行分析,披露出存在的风险,对存在的风险提出改进意见。

With the development of urbanization, real estate has developed rapidly in recent years. And real estate finance is one of the most important aspects in real estate industry, so risk control in real estate finance is crucial for economy. This article is talking about the situations and main risks of personal housing loans in Agricultural Bank of China, and the ways to control the risks of personal housing loans. It is a significant reference to strengthen management of personal housing loans and to have sustainable development.