商业银行个人住房抵押贷款信用风险研究
摘 要
2007年以来席卷全球的美国次贷危机让我们再一次感受了经济全球化、经济虚拟化给人类社会、经济和生活带来的巨大影响和改变。面对国际上投资者和金融机构的巨大损失、个人住房贷款抵押借款人所面临的困境以及由此带来的社会经济问题，作为我国提供个人住房贷款抵押绝对主力的商业银行应引起足够的警觉，清楚的认识自身所处的环境和发展状况，吸取他国的经验教训。
本文在全面回顾国内外有关个人住房抵押贷款信用风险评估方法研究的基础上，借鉴前人理论研究成果，比较分析了我国商业银行个人住房抵押贷款信用风险的影响因素，对于丰富商业银行个人住房抵押贷款信用风险理论具有重要的借鉴价值。深入剖析我国商业银行管理个人住房抵押贷款信用风险的缺陷，提出了防范和控制商业银行个人住房抵押贷款信用风险的对策建议，并应用于某一家商业银行个人住房贷款抵押业务的案例分析，对于商业银行寻求防范信用风险的更有效工具，优化房地产市场与资本市场的信用模式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；影响因素
Research on Credit Risk of Individual Housing Loans in Commercial Bank
Abstract
Swept the world since 2007, the U.S. subprime mortgage crisis has made us a feeling of economic globalization, economic virtualization to human society, economy and life of great influence and change. The face of international investors and financial institutions on the tremendous loss of personal housing mortgage loans to people facing difficulties and the resulting social and economic issues, as our personal mortgage absolute main commercial banks should arouse enough awareness a clear understanding of their own environment and development, his country's experiences and lessons learned.
In this paper, a comprehensive review of domestic and foreign residential mortgage credit risk assessment methods based on the study, drawing on previous theoretical research, a comparative analysis of China's commercial banks personal housing mortgage loans to credit risk factors, the rich commercial banks personal housing mortgage loan credit risk theory has important reference value. Depth analysis of China's commercial banks to manage credit risk of individual housing mortgage loans defect prevention and control of proposed commercial banks personal housing mortgage credit risk countermeasures, and applied to an individual housing loans from a commercial bank mortgage business case analysis for business Bank seeks to prevent a more effective instrument of credit risk, optimize the real estate market and capital market credit model has important practical significance.
Keywords：Commercial Banks; Individual housing mortgage loans; Credit Risk; Factors
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