我国商业银行个人住房抵押贷款风险分析——美国次贷危机对我国的启示

当中国的个人贷款发展如火如荼的时候,美国的次级债市场却危机四伏,并蔓延开来。观察美国次级贷款危机,对比一下中国的住房抵押贷款市场,有很多值得吸取的教训和值得借鉴的经验,加强对个人住房抵押贷款风险的防范十分必要。当前的主要任务是积累和完善数据资源,建立和提高个人住房抵押贷款风险管理的定量化分析技术水平,以便定量评估具有中国持征的个人住房抵押贷款的风险度。此外,还要强化对个人住房抵押贷款风险管理的政策支持,并将住房从完全市场化回归民生本质。

An Analysis of Risks Attributed in Personal Housing Mortgage Loans in China and the Subprime Mortgage Loans in America

With the rapid development of personal housing mortgage loans in China,the U.S.subprime mortgage market is crisis ridden.Comparing the crisis with the mortgage loans market,we analyze the U.S.subprime mortgage crisis and put forward some methods to prevent the crisis in China.Firstly,we should improve our credit analysis system of banks.Secondly,the government should carry out the policies to regulate the personal housing mortgage loans market.Finally,we should build our own housing security system.