【正文】 摘 要 從1985年中國(guó)建設(shè)銀行深圳市分行發(fā)放第一筆國(guó)內(nèi)個(gè)人住房貸款起，至今已有28年的發(fā)展歷史。隨著國(guó)民經(jīng)濟(jì)的發(fā)展，商業(yè)銀行個(gè)人住房貸款已經(jīng)在提高城鎮(zhèn)居民人居環(huán)境和改善國(guó)民居住條件上發(fā)揮了重大的作用，也達(dá)到了應(yīng)有的效果。我國(guó)商業(yè)銀行發(fā)放個(gè)人住房貸款不僅提升了自己的產(chǎn)品多樣化服務(wù)而且增加了新的盈利增長(zhǎng)點(diǎn)。在支持國(guó)民經(jīng)濟(jì)特別是在房地產(chǎn)市場(chǎng)發(fā)展方面起到重大的作用。近年來朝著規(guī)?；?、全面化的方向發(fā)展，可謂是實(shí)現(xiàn)了互惠雙贏的效果。但凡貸款都會(huì)存在風(fēng)險(xiǎn)，商業(yè)銀行個(gè)人住房貸款也不例外。本文在借閱國(guó)內(nèi)外學(xué)者研究的基礎(chǔ)上,綜合我國(guó)個(gè)人住房貸款的現(xiàn)狀,對(duì)我國(guó)商業(yè)銀行個(gè)人住房貸款風(fēng)險(xiǎn)進(jìn)行分析,并找出有關(guān)原因,提出較為可行的方法措施和具體方案，給商業(yè)銀行規(guī)避風(fēng)險(xiǎn)健康經(jīng)營(yíng)管理提供了可行性的參考思路。關(guān)鍵詞： 商業(yè)銀行；個(gè)人住房貸款；風(fēng)險(xiǎn)；防范 ABSTRACTStarting from 1985, China Construction Bank, Shenzhen Branch issued the first domestic housing loans to individuals, has more than 28 years of development history. With the development of the national economy, the individual housing loans of mercial banks in improving the living environment of urban residents and to improve the the nationals living conditions played a major role, but also to achieve the desired effect. China39。s mercial banks to issue individual housing loans not only to enhance their own product diversification and added a new profit growth supporting the national economy, especially in the real estate market development play a major recent years toward the development of largescale, prehensive direction, can be described as a winwin effect.Provided that the loan will be at risk, the mercial bank housing loans to individuals is no exception. Borrow scholars at home and abroad on the basis of prehensive analysis of individual housing loans in China the status quo of China39。s mercial banks personal housing loan risk and find out the reasons put forward a more feasible method measures and specific programs. To mercial banks riskaverse health operation and management of provide feasibility reference ideas.KEY WORDS: Commercial Banks。 Individual Housing Loans。 Risk。 Prevention 目 錄 1緒論........................................................................................................................... 1 .......................................................................................................1 ....................................................................................................... 1 .........................................................................................................2 .........................................................................................................3 ................................................................................................3 ................................................................................................4 ..............................................................................42我國(guó)商業(yè)銀行個(gè)人住房貸款現(xiàn)狀...................................................................................5 .....................................................................................................5 .......................................................................................63 我國(guó)商業(yè)銀行個(gè)人住房貸款風(fēng)險(xiǎn)分析........................................................................7 .......................................................................................................................7 ............................................................................................7 ...................................................................................8 （房?jī)r(jià)）對(duì)信用風(fēng)險(xiǎn)的影響............................................................8 ........................................................................................................................9 ...............................................................................9 .........................................10 ..................................................................................................................10 ..............................................................................10 ..................................................................................... 10 ............................................................................................................ 11 .....................................................................................................11 .........................................................................................................124 我國(guó)商業(yè)銀行個(gè)人住房貸款風(fēng)險(xiǎn)成因及防范方法.................................................14 ......................................................................................... 14 ，缺乏激勵(lì)和約束機(jī)制................................14 .........................................14 .......................................................................................14 ................................................................................................15 ..............................................15 .................................................................15 ...................................................................................16 ...................................................................................17 ........................................................................................17 ...................................................................................18 ...................................................................................18 .....................................................19 ..........................................................................19 ...............................................................................19 ................................................................19 ............................................................20 ..............................................................................20 ............