| 浅析基层商业银行个人住房按揭贷款风险防范 |
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| 引用本文： | 姜少华,杨威,李晓楠.浅析基层商业银行个人住房按揭贷款风险防范[J].长春金融高等专科学校学报,2012(1):5-7. |
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| 作者姓名： | 姜少华 杨威 李晓楠 |
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| 作者单位： | 1. 中国农业银行股份有限公司吉林市西胜支行,吉林吉林,132011
2. 中国建设银行吉林省分行人力资源部,吉林长春,130061 |
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| 摘 要： | 近年来,我国基层商业银行个人住房按揭贷款快速发展,由于这类贷款涉及多方当事人、资金量较大且期限较长,信用风险、抵押物风险和银行操作经营风险等风险逐步显现。随着按揭业务的不断扩大,更多的金融风险摆在商业银行的面前。分析商业银行个人住房按揭贷款风险及成因,对商业银行如何有效防范个人住房按揭贷款风险提出相应的防范对策。
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| 关 键 词： | 商业银行 按揭贷款 风险 |
Analysis of Risk Prevention of Personal Housing Mortgage Loans in the Primary Commercial Bank |
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| JIANG Shao-hua,YANG Wei,LI Xiao-nan.Analysis of Risk Prevention of Personal Housing Mortgage Loans in the Primary Commercial Bank[J].Journal of Changchun Finance College,2012(1):5-7. |
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| Authors: | JIANG Shao-hua YANG Wei LI Xiao-nan |
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| Institution: | 1.Xisheng Branch,Agricultural Bank of China,Jilin 132011,China;2.Human Resource Department,Jilin Province Branch of China Construction Bank,Changchun 130061,China) |
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| Abstract: | In recent years,individual housing mortgage loans of primary commercial banks in China has developed rapidly.Since these loans involving multiple parties,a large amount of money and a longer duration,credit risk,collateral risk and operational risk of banks has appeared gradually.With the continuously expansion of mortgage business,commercial banks faced more financial risk.The analysis of risk and reason of individual housing mortgage loans of commercial banks can provide appropriate preventive measures for commercial banks to effectively prevent the risk of personal housing mortgage loans. |
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| Keywords: | commercial banks mortgage loans risk |
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