AbstractSince1985,personalhousingloanhasbecomethemostimportantloanvarietyofcommercialbanks,anditisalsothemostimportanteconomicinterestgrowthpointforcommercialbanks.Asweallknow,thesustainedandhealthydevelopmentofpersonalhousingloanwillbringconsiderableeconomicbenefitstocommercialbanks.However,oncetheriskofpersonalhousingloanisexposed,itwillbringhugeeconomiclossestocommercialbanks.Therefore,intheriskmanagementofcommercialbanks,theriskpreventionofindividualhousingloansinevitablybecomesthemostimportantpartoftheresearch.Inrecentyears,China'spersonalhousingloanisdevelopingrapidly,anditsriskisalsograduallyexposed.Inordertoprotectthestableandhealthydevelopmentofindividualhousingloansunderthecurrentmarketenvironment,itismoreandmoreimportantforcommercialbankstoguardagainsttheirrisks.Theriskandprecautionofpersonalhousingloanindomesticcommercialbanksarestudiedinordertodeepentherecognitionoftheriskofpersonalhousingloanandstrengthentheprecautionofpersonalhousingloanrisk.ThispaperfirstdescribesthestatusofChina'scommercialbankspersonalhousingloanrisk,anddiscussesitsorigin,thenanalyzesthemainrisktypesfacedatthepresentstageofourcountry,finallyfromtheUnitedStatesandHongkongindividualhousingloanriskpreventiononthebasisofsuccessfulexperience,consideringfromtheperspectiveofcommercialbanks,suggestionsforborrowers,developers,mortgageinterestrates,andwithintheBankfiveaspectsofriskKeywords:Commercialbanks;housingloans;riskprevention目录1.个人住房贷款现状.............................................31.1个人住房贷款风险加大....................................31.2国家加大对住房贷款的调控力度............................32个人住房贷款的有关风险.......................................4市场和政策的变化风险........................................4信用风险....................................................4流动性风险..................................................4个人贷款中各工程比例不协调..................................53.个人住房贷款风险的成因.......................................5资金结构...
