金融毕业论文----商业银行的住房贷款风险问题分析

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1、 商业银行的住房贷款风险问题分析商业银行的住房贷款风险问题分析 作者： 金融学 摘要：摘要：一直以来商业银行住房贷款都被认为是一种风险颇低、收益较稳定、兼具普遍社 会效益的优质资产。但随着近几年住房贷款的飞速发展，使其潜在的风险日益增大，并由潜 在趋向了明显化。 因为我国目前住房贷款的二级市场还处在初创阶段， 住房贷款的债权不易 变现，这就为银行带来许多风险问题。本文着力审视中国房地产金融风险，着重对商业银行 的住房贷款风险管理研究，对商业银行防范住房贷款风险提出建议，为保证贷款安全，防范 金融风险的发生有着现实意义。研究住房贷款风险防范，首先应该了解其风险产生原因、风 险现状及面临风险的有效

2、对策。首先是其发展现状，其次说明风险产生的根源，再对具体分 析我国个人住房贷款的风险产生的主要原因， 抓出重点进行风险剖析， 最后征对所列举的风 险原因，进行分析风险防范的措施。 关键字：关键字：住房贷款；商业银行；风险分析；对策研究 Commercial banks housing loan risk analysis China Abstract：Since commercial bank housing loan is considered a risk, low income is quite stable, hold concurrently general social benef

3、it of high quality assets. But along with the rapid development of housing loans in recent years, increasing the potential risks, and the underlying trend all. Because our current housing loan to the secondary market is still in infancy, housing loan debt, it is illiquid brings a lot of problems. Th

4、e bank risk This paper focus on look at China real estate finance risk of commercial Banks, focuses on the housing loan risk management in commercial bank, prevent housing loan risk guarantee loans puts forward some proposals for safety, preventing financial risks happening has practical significance. Research housing loan risk prevention, first should know the risk causes, status quo and facing the risk of risk effective countermeasures. First is the development present situation, the second