【作者】 刘军彦；

【导师】 霍学喜；

【作者基本信息】 西北农林科技大学 ， 金融学， 2005， 硕士

【摘要】 随着中国经济的快速发展,中国房地产市场化、货币化的程度不断加深,大力发展个人住房贷款已经成为中国房地产市场的催化剂,也是人们提高水平的重要手段。各家商业银行都加大了对个人住房贷款支持力度,一项公开资料显示,截至2002年1月,建行自营性个人住房贷款余额达到3485亿元。但发展中也将面临风险,尤其是92、93年我国房地产泡沫以及亚洲金融危机以后,人们对金融风险认识的更加清楚,如何防范个人住房贷款风险已经成为人们关注的焦点。在此背景下,在学习和借鉴前人研究成果基础上,结合自己的研究形成本文。 本论文重点分为四部分: 首先,文章对个人住房贷款进行比较系统的解释和分析,使人们对个人住房贷款种类、还款放贷方式等基本内容有清楚的认识。同时,该部分重点回顾了我国个人住房贷款发展的历程,总结了发展过程中存在的问题和不足,深入地研究了我国现阶段个人住房贷款发展的现状与问题。 其次,在对个人住房贷款有比较清楚的认识基础上,该部分从贷款者个人、房地产开发商、房地产产权以及银行自身管理等多个方面对商业银行个人住房贷款存在的风险进行了清楚的分析。 再次,本文以美国作为典型案例,分析了发达国家个人住房贷款风险防范和控制的先进经验,主要从国外风险防范外部措施和内部措施进行分析,借鉴国外风险防范先进经验为我所用。 最后,在个人住房贷款风险充分分析的基础上,本部分提出进行个人信用评估、建立社会信用体系、实施个人住房证券化、加强商业内部管理等政策建议,以此来防范和控制个人住房贷款风险。 总之,在借鉴国外个人住房贷款风险管理先进经验基础上,联系中国个人住房贷款业务发展实际情况,文章从风险管理、风险转移、风险监管以及风险预警等四个方面建立中国商业银行个人住房贷款风险防范和控制体系。同时,本文认为,要防范和控制风险,个人信用体系建立是平台和基础,商业银行产权改革是前提。在此之上,国家要积极推动和发展贷款证券化、银行要加强自身的微观管理,积极发展和建立房地产二级市场,建立起一个多层次的风险防护网,保证中国商业银行个人住房贷款业务健康持续发展。更多还原

【Abstract】 As China’s economy is developed fast, Chinese real estate mercerization , monetary degree are in constant intensification, develop catalyst that personal housing loan has already become the Chinese real estate market in a more cost-effective manner, it is the important means that people improve the standard too, every commercial bank has devoted more efforts to supporting the personal housing loan, one open materials show up to will it be January 2002 , Construction Bank self-operation personal house loan balance reach 348,500 million, add nearly 480 billion Yuan of housing loan of common reserve funds. But will face the risk in development, especially 92, and after Asian financial crisis in the foam of real estate of our country in 1993, people clear to whom financial risks know how take precautions against personal home mortgage risk already become the focus that people have paid close attention to, so, this thesis is under this background , on the basis of studying and drawing lessons from forefathers’ research results, it is gentle to combine one’s own research shape cost.This thesis is divided into three parts especially:First of all, the overall explanation and analysis that the article compares personal housing loan, make people personal housing loan kind, refund person who puts credit side basic content have clear understanding, meanwhile, this part reviewed the course of development of personal housing loan of our country especially, have analyzed the current situation of personal housing loan development of the present stage of our country.Secondly, on the basis of understanding that the personal housing loan is clearer, this part is from the loan individual, real estate deposit to commercial bank housing loan not personal developer , real estate property right and bank management not one’s own ,etc. a lot of respect in risk analyze clearly going on.Finally, after the risk fully appears, originally propose carrying on the personal credit assessment, establishing the system of social credit, implementing the securitizations of personal house, strengthening such policy recommendations as commercial inside management, etc. partly, so as to take precautions against and control the risk of the personal housing loan.In a word, on the basis of studying the risk management advanced experience of the foreign personal housing loan, fully contacting China’s personal actual conditions, this text thinks, should control and take precautions against the risk of personal housing loan of Chinese commercial bank, it is the platform and foundation that the personal credit system is set up. the property right reform of commercial bank is the prerequisite, here, the country should actively promote and develop the securitizations of the loan, bank to strengthen one’s own micro management, set up a multi-level risk and protect the network, guarantee the health sustainable development of personal housing loan of our country.更多还原