目 录
摘 要…………………………………………………………………………………………………….I
ABSTRACT………………………………………………………………………………………………..II
前 言…………………………………………………………………………………………………….1
一、个人住房贷款的相关概念和方式………………………………………………………………3
（一）个人住房贷款的概念…………………………………………………………………………3
（二）个人住房贷款的方式…………………………………………………………………………3
二、商业银行个人住房贷款业务发展现状…………………………………………………………4
（一）个人住房贷款业务的发展历程…………………………………………………………….4
（二）我国个人住房贷款占比偏高，住房贷款风险显现…………………………………..4
（三）个人住房贷款产品设计、银行内部制度方面聚集了一定的风险………………..4
三、双城市建行个人住房抵押贷款信用风险问题分析………………………………………….6
（一）宏观环境方面原因……………………………………………………………………………6
1.经济通货膨胀风险和利率风险……………………………………………………………….6
2.法律法规和政策风险……………………………………………………………………………6
（二）行业环境方面原因……………………………………………………………………………6
1.购房人风险…………………………………………………………………………………………6
2.被按揭房产风险………………………………………………………………………………….6
3.开发商风险…………………………………………………………………………………………7
(三)商业银行自身方面原因………………………………………………………………………..7
1.业务操作风险……………………………………………………………………………………..7
2.合同文本风险……………………………………………………………………………………..7
3.贷后管理风险……………………………………………………………………………………..7
4.借款业务人员职业道德风险………………………………………………………………….7
（四）双城市建行的基本情况以及风险分析…………………………………………………..8
1.双城市建行分行基本情况……………………………………………………………………..8
2.降低固定成本……………………………………………………………………………………..8
3.提双城市分行个人住房贷款信用风险分析……………………………………………….8
四、双城市建行个人住房抵押贷款信用风险防范对策………………………………………..10
（一）加强政策支持…………………………………………………………………………………10
（二）建立内部评级体系……………………………………………………………………………10
1.内部评级法……………………………………………………………………………………….10
2.实施步骤…………………………………………………………………………………………..10
（三）稳步推进住房抵押贷款证券化……………………………………………………………11
(四)提高银行自身抵抗信用风险的能力……………………………………………………..11
1.健全银行内控制度……………………………………………………………………………..11
2.提高信贷人员整体素质……………………………………………………………………….11
3.努力提高银行自身资本充足度……………………………………………………………..11
（五）双城市建行贷款信用风险防范对策…………………………………………………….11
1.牢固树立风险防范意识……………………………………………………………………….11
2.加强对借款人借款资格和偿债能力的审查……………………………………………..12
3.加强个人住房贷款操作规范化……………………………………………………………..12
4.加强贷后管理…………………………………………………………………………………….12
结 束 语……………………………………………………………………………………………………13
参考文献……………………………………………………………………………………………………14
后 记……………………………………………………………………………………………………16
附 录 Ａ……………………………………………………………………………………………………17
附 录 Ｂ……………………………………………………………………………………………………18
摘 要
随着我国个人住房贷款逐渐成为主力,商业银行绝对不能松懈警觉,要清楚自己的发展现状,借鉴其他国家经验，努力做到最好。分析中国商业银行个人住房抵押贷款信用风险管理,整理了事前防御和事后风险的解决办法,同时,采取个别业务案例进行分析,对商业银行寻求更有效的工具来防范信贷风险,优化房地产市场和资本市场信用模型具有重要的现实意义。
关键词：商业银行；个人住房贷款抵押；信用风险
ABSTRACT
As China’s personal housing mortgage loan absolute main force, commercial Banks should take enough precautions, clearly understand their environment and the development present situation, draw lessons from the experience of other countries.Based on the comprehensive review about personal housing mortgage loan credit risk assessment method on the basis of the research at home and abroad, the study of the theory of the predecessors’ achievements, the comparative analysis of China’s commercial Banks personal housing mortgage loan credit risk factors, the influence of the rich commercial Banks personal housing mortgage loan credit risk theory has important reference value.Analysis of China’s commercial Banks personal housing mortgage loan credit risk management, puts forward the prevention and control of commercial Banks personal housing mortgage loan credit risk countermeasure and the suggestion, at the same time, the commercial bank personal housing loan business case analysis, the commercial Banks to seek a more effective tool to prevent credit risks, optimize the real estate market and the capital market credit model has important practical significance .
Keywords：Commercial Banks ; Individual housing mortgage loans ;Credit Risk
