| 我国商业银行住房贷款风险管理研究 |
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| 引用本文： | 宋妍.我国商业银行住房贷款风险管理研究[J].淮海工学院学报(社会科学版),2011,9(21):84-86. |
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| 作者姓名： | 宋妍 |
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| 作者单位： | 济源职业技术学院国际教育学院,河南济源,454650 |
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| 摘 要： | 近年来随着我国经济的高速发展,房地产业已成为国民经济的重要支柱产业之一,而住房金融对推动我国房地产业的快速发展起到了关键作用。从1998年国家停止福利分房以来,商业银行的个人住房贷款发展迅猛,已成为我国居民购买住房的主要融资模式。然而,目前的融资模式还是具有一定风险的。从六个方面分析了银行个人住房贷款的风险的表现,针对风险提出了相应的风险控制措施。
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| 关 键 词： | 商业银行 个人住房贷款 风险管理 |
On Risk Management of Housing Loan in Chinese Commercial Banks |
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| SONG Yan.On Risk Management of Housing Loan in Chinese Commercial Banks[J].Journal of Huaihai Institute of Technology,2011,9(21):84-86. |
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| Authors: | SONG Yan |
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| Institution: | SONG Yan(College of International Education,Jiyuan Vocational & Technical College,Jiyuan 454650,China) |
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| Abstract: | With the rapid development of domestic economy in recent years,the real-estate industry has become one of the pillar industries in China and housing financing plays a key role in fueling the growth of real-estate industry.Since the welfare housing system was ended in 1998,housing loan in commercial banks has experienced a soaring development and become the main way of financing for Chinese house buyers.However,there are some risks in the current practice of financing.This paper analyzes the potential risks from six aspects and offers relative measures for risk control. |
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| Keywords: | commercial banks personal housing loan risk management |
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