| 我国商业银行住房消费信贷的风险及其防范 |
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| 引用本文： | 李玮玮.我国商业银行住房消费信贷的风险及其防范[J].安徽农业大学学报(社会科学版),2009,18(1):32-35. |
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| 作者姓名： | 李玮玮 |
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| 作者单位： | 皖西学院,经济管理系,安徽,六安,237012;安徽大学,经济学院,安徽,合肥,230039 |
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| 摘 要： | 随着我国个人住房市场规模的扩大，商业银行住房消费信贷规模急剧膨胀，住房消费信贷风险日益凸显。文章从我国商业银行开展住房消费信贷的现状着手，对商业银行自身的流动性、个人信用、信贷回收以及社会信用环境进行了分析，从建立多种融资渠道、完善个人信用资信评估、制定严谨房地产企业信贷管理制度、构造良好消费信贷外部环境等几个方面，提出当前商业银行个人住房贷款业务风险防范的基本策略。
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| 关 键 词： | 住房消费信贷 风险 防范 |
On Risks in Housing Loans of China's Commercial Banks and the Countermeasures |
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| LI Wei-wei.On Risks in Housing Loans of China's Commercial Banks and the Countermeasures[J].Journal of Anhui Agricultural University(Philosophy & Social Sciences Edition),2009,18(1):32-35. |
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| Authors: | LI Wei-wei |
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| Institution: | Department ofEconomics and Management School of Economics, Anhui University |
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| Abstract: | With the expansion of the scale of the nation＇ s individual housing market and the rapid increase in commercial banks＇ housing loans, the risks in housing loans increase accordingly. This article presents its views as to how to prevent these risks. |
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| Keywords: | housing loans risk prevention |
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