| 对我国商业银行个人住房贷款风险及防范的思考 |
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| 引用本文： | 龙玉国.对我国商业银行个人住房贷款风险及防范的思考[J].价值工程,2010,29(19):29-30. |
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| 作者姓名： | 龙玉国 |
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| 作者单位： | 广东工程职业技术学院,广州,510520 |
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| 摘 要： | 本文通过对我国商业银行个人住房贷款的借款人违约行为进行实证分析,揭示出个人住房贷款存在的风险,并就如何建立标准化、集约化操作模式,防范借款人理性违约风险以及房产资产的证券化三个方面提出化解风险的措施。
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| 关 键 词： | 房地产 个人住房贷款风险 相关分析 |
Thinking about Risk and Prevention of Commercial Bank Individual Housing Loan in China |
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| Long Yuguo.Thinking about Risk and Prevention of Commercial Bank Individual Housing Loan in China[J].Value Engineering,2010,29(19):29-30. |
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| Authors: | Long Yuguo |
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| Institution: | Long Yuguo (Guangdong Polytechnic College,Guangzhou 510520,China) |
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| Abstract: | Through the empirical analysis on defaults of the borrowers of Chinese commercial banks individual housing loan this paper reveals the risk of individual housing loan and proposes measures to resolve the risk from three aspects,namely,how to establish the standardization and intensive operation mode,how to prevent the rational default of the borrower and real estate asset securitization. |
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| Keywords: | real estate personal housing loan risk related analysis |
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