摘 要

近年来，房地产行业发展起起伏伏，一直是人们较为关注的话题，本篇论文主要从商业银行的角度来分析个人住房贷款可能引发的风险及相应对策。通过对房地产行业及银行业相关发展资料的收集，风险评估方法的了解，首先阐明我国商业银行个人住房贷款发展研究的现状及必要性。然后集中罗列导致风险的内在原因和具体表现，其次，通过中外银行贷款业务的管理发展对比，清晰的表明风险的危害和防范的重要性。在此基础上结合我国国情提出金融创新、市场风险限额等应对风险的防范措施和提升商业银行规避风险能力，长远发展的建议。

关键词：商业银行；个人住房贷款；风险防范

China's commercial Banks personal housing loan risk prevention analysis

ABSTRACT

In recent years, the development of the real estate industry ups and downs, people always pay more attention to the topic, this article mainly from the perspective of commercial banks to analyze the risk of individual housing loans may cause and countermeasures. The development of the real estate industry and the banking industry data collection, risk assessment method of understanding, first expounded the present situation and the necessity of research on the development of individual housing loans of commercial banks in china. The internal reason and the concrete manifestation, and then focus on a list of leading to the risk of second, through the comparison of Chinese and foreign management development bank loan business, clear risk of harm and the importance of prevention. On the basis of China's national conditions of financial innovation, market risk limits to the risk prevention measures and improve the ability to avoid the risk of commercial banks, long-term development suggestions.

Key words：Commercial Banks；Personal housing loan; Risk prevention

目 录

1绪论…………………………………................................……………………………….………1

1.1研究目的及意义 ……………………...............…………………………………………1

1.1.1选题背景……………...................................……………………………………1

1.1.2选题的意义…………………...............................………………………………2

1.2相关文献综述……………………………………………………………………….......…3

1.2.1国外相关文献综述………………...................…………………………....………3

1.2.2国内相关文献综述……………...................…………………………....……....…5

1.3研究思路…………………………………………...........……………………....…………6

1.3.1研究内容及计划…………….......................……………………………………6

1.4主要创新及不足……………………...................…………………………………………7

2 商业银行个人住房贷款风险研究………………………………..........…..……………………8

2.1个人住房贷款及风险基本概述……….............…………………………………………8

2.1.1个人住房贷款及风险含义….........………………………………………..………8

2.1.2个人住房贷款种类..............…………………………………...…………8

2.2商业银行个人住房贷款的主要风险……………....………………………...........………8

2.2.1银行内部管理风险……………………….................................................……..…8

2.2.2信用风险…………………………….........................................................……..…9

2.2.3市场风险……….........................................................……………………………10

2.2.4流动性风险………………….....................................................…………………11

3国内外银行案例分析……………………………………………………………………12

3.1以国外H银行为例……………………………………………………………………12

3.1.1 H银行基本情况…….…………………….....................………..………………12

3.1.2 H银行的两次危机……………………………........……………………………12

3.1.3两次危机的经验教训………………….......................................………………14

3.2以国内J银行为例………………………..................................…………………………14

3.2.1 J银行基本概况…………................................................………………………14

3.2.2 J银行的个人住房贷款业务……………….................................…………...…15

3.2.3 J银行个人住房贷款风险问题……………....................................……...….....16

4我国商业银行个人住房贷款风险防范措施……............…..............................................….....18

4.1风险防范的必要性..............................................................................................................18

4.2商业银行的防范措施..........................................................................................................18

4.2.1信用风险防范...........................................................................................................18

4.2.2银行内部控制方面...................................................................................................18

4.2.3商业银行的风险监测...............................................................................................19

4.2.4建立银行个人住房贷款压力测试...........................................................................20

4.2.5银行的市场风险限额设置与管理...........................................................................20

4.2.6银行业的金融创新...................................................................................................20

4.2.7银行业应建立着眼于长期可持续发展的激励机制...............................................21