商业银行住房抵押贷款的分析.doc

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1、ABSTRACT商业银行住房抵押贷款的分析摘要美国次贷危机引发的金融风暴给美国乃至全球的金融市场都带来了巨大的影响。此次次贷危机的爆发的主要原因是由美国利率大幅度上升、金融衍生产品的过度创新以及美国过于廉价的信用体制等。近年来，我国房地产行业迅速发展，人们购房的需求也日益增加，而且现在房价不断的上涨，导致商业银行的贷款量增大，同时，给我国的住房抵押贷款市场也带来重大的风险隐患。因此，商业银行应加强对个人住房抵押贷款的风险管理，确保我国住房抵押贷款市场的健康发展，为能有效维护我国商业银行业良好的发展，对我国商业银行住房抵押贷款的现状进行风险分析并寻找有效地措施来防止不利事件的发生，对于中

2、国是一个迫切而又十分重要的新课题。本文首先分析我国商业银行住房抵押贷款的发展现状，然后说明加强住房抵押贷款风险管理的必要性，最后从住房抵押贷款所面临的各个风险入手进行风险管理分析。关键词：商业银行，住房抵押贷款，风险分析，防范对策IIIABSTRACTIIIABSTRACTABSTRACTTheUnitedStatessub-loancrisistriggeredbythefinancialturmoiltotheUnitedStatesandtheglobalfinancialmarkethasbroughtahugeimpact.Themainreasonfortheoutbrea

3、kofthesubprimemortgagecrisisbytheUnitedStatesofAmerica,isrisinginterestratessubstantiallyovertheinnovationoffinancialproductsandtheUnitedStatesofAmericatoocheapcreditsystem.Inrecentyears,China'srealestateindustryisdevelopingrapidly,peoplepurchasedemandisincreasing,andnowhousingpricescontinuetori

4、se,resultinginlendingbycommercialbanksincreased,atthesametime,China'shousingmortgageloanmarketrisksignificantalsobring.Therefore,commercialbanksshouldstrengthentheriskmanagementofpersonalhousingmortgageloans,toensurethehealthydevelopmentofthehousingmortgageloanmarketinChina,inordertomaintainthed

5、evelopmentoftheChineseCommercialBankofgood,thestatusofhousingmortgageloansinChina'scommercialbankstotheriskanalysisandtofindeffectivemeasurestopreventtheoccurrenceofadverseevents,forwhileChinaisanurgentandimportantissue.ThispaperfirstanalysesthestatusquoofthedevelopmentofhousingmortgageloansinCh

6、ina'scommercialbanks,andexplainthenecessityofstrengtheningthehousingmortgageloanriskmanagement,theriskfinallyfacingfromthehousingmortgageloanriskmanagementanalysis.KEYWORDS：Commercialbanks,Housingmortgageloan,Riskanalysis,CountermeasuresIIIABSTRACTIII目录V目录目录1前言11.1研究背景及意义21.2研究内容与方法21.2.1研究内容21.

7、2.2研究方法31.3论文框架42相关理论与文献综述52.1商业银行住房抵押贷款理论52.1.1商业银行住房抵押贷款的概念52.1.2商业银行住房抵押贷款的流程52.1.3商业银行住房抵押贷款的用途62.1.4商业银行住房抵押贷款的对象62.1.5商业银行住房抵押贷款的条件62.1.6商业银行住房抵押贷款的额度62.1.7商业银行住房抵押贷款的登记制度72.2文献回顾82.2.1国外研究状况82.2.2国内研究状况83商业银行住房抵押贷款的现状