【正文】 本科生畢業(yè)論文次貸危機(jī)對(duì)我國(guó)商業(yè)銀行個(gè)人住房消費(fèi)信貸的啟示學(xué)生姓名 _____ _______指導(dǎo)教師 ____ ________級(jí) 別 ___ _______學(xué) 院 ___ ______專 業(yè) ____ ______班 級(jí) __________ 學(xué) 號(hào) _____ _二 0 一 年 月 日次貸危機(jī)對(duì)我國(guó)商業(yè)銀行個(gè)人住房消費(fèi)信貸的啟示 摘 要全球金融風(fēng)暴的產(chǎn)生始于次級(jí)貸危機(jī)，次貸危機(jī)起源于銀行向信用程度較差且收入并不高的借款人提供貸款。在我國(guó)，個(gè)人住房消費(fèi)貸款業(yè)務(wù)對(duì)于促進(jìn)消費(fèi)信貸的發(fā)展起到了巨大的作用，既開拓了銀行的業(yè)務(wù)空間，為銀行創(chuàng)造更高的經(jīng)濟(jì)效益，同時(shí)還促進(jìn)了房地產(chǎn)的發(fā)展。目前個(gè)人住房消費(fèi)信貸在實(shí)際操作中仍存在著諸多問題，其中最值得關(guān)注的就是開展該業(yè)務(wù)時(shí)所承擔(dān)的風(fēng)險(xiǎn)問題。如何借鑒次貸危機(jī)的教訓(xùn)，去克服、去防范這些個(gè)人住房消費(fèi)信貸的風(fēng)險(xiǎn)，是為了不重蹈由此而會(huì)引發(fā)一系列悲劇的當(dāng)務(wù)之急，只有把好了風(fēng)險(xiǎn)關(guān)，我國(guó)個(gè)人住房消費(fèi)信貸業(yè)務(wù)甚至金融界才能得到健康、長(zhǎng)遠(yuǎn)及穩(wěn)健的發(fā)展。綜上所述，本文通過對(duì)美國(guó)次貸危機(jī)中住房抵押貸款風(fēng)險(xiǎn)的分析，進(jìn)而研究我國(guó)商業(yè)銀行應(yīng)當(dāng)如何有效防范業(yè)務(wù)過程中可能會(huì)產(chǎn)生的風(fēng)險(xiǎn)，并建設(shè)有效的相應(yīng)對(duì)策和措施，使得銀行既不至于被限制其信貸業(yè)務(wù)的開拓空間，又能擁有全方位風(fēng)險(xiǎn)制衡機(jī)制，力爭(zhēng)將個(gè)人住房消費(fèi)信貸風(fēng)險(xiǎn)消滅在萌芽之中關(guān)鍵詞：次貸危機(jī)；個(gè)人住房消費(fèi)貸款；銀行SubPrime Mortgage Crisis and Its Implications to Chinese Commercial Banks’ Individual HouseConsuming Loans AbstractProduce the global financial crisis began in subprime mortgage crisis， subprime mortgage crisis originated in the banks to lower credit and ine level is not high loan borrowers. In China， individual housing consumer loans for the promotion of consumer credit has played a huge role in the development of both the space to open up the bank for the bank to create more economic benefits， while also promoting the development of real estate. At present individual housing consumer credit in practice there are still many problems， the most noteworthy is the conduct of the business risks assumed. How to learn the lessons of the subprime crisis to overe， to prevent these individual housing consumer credit risk， is thus in order not to repeat the tragedy would trigger a series of priority， only the good risks related， individual housing consumer credit business in China even the financial sector to get healthy， longterm and stable development. To sum up， this article on the . subprime mortgage crisis， mortgage risk analysis， and then study how China39。s mercial banks should guard against the course of business risks may arise， and build effective countermeasures and measures， so both banks was not subject to limit its credit operations to open up space， but also has a full range of checks and balances the risks， and strive to eliminate the credit risk of individual housing consumption in the bud.Key words： Subprime Lending Crisis。 Individual Consumer Housing Loans。 Banks目 錄引 言 .........................................................................................................................................1一、前言 .....................................................................................................................................2 選題背景和研究?jī)r(jià)值 ......................................................................................................2 主要研究方法和內(nèi)容架構(gòu) ..............................................................................................2二、美國(guó)次貸危機(jī)中住房抵押貸款風(fēng)險(xiǎn)的分析 .....................................................................3 次貸危機(jī)的基本概念 ......................................................................................................3 次貸危機(jī)的起因 ........................................................................................................3 危機(jī)對(duì)美國(guó)、中國(guó)乃至世界造成的影響 ................................................................3 美國(guó)次貸危機(jī)中住房抵押貸款風(fēng)險(xiǎn)的分析 ..................................................................4 風(fēng)險(xiǎn)的成因分析 ........................................................................................................4 對(duì)于住房抵押貸款業(yè)務(wù)造成的危害 ........................................................................5三、我國(guó)商業(yè)銀行住房抵押貸款現(xiàn)狀與風(fēng)險(xiǎn)分析 .................................................................6 中美兩國(guó)房產(chǎn)金融的對(duì)比與分析 ..................................................................................6 中美經(jīng)濟(jì)結(jié)構(gòu)特性的比較 ........................................................................................6 兩國(guó)房地產(chǎn)金融的比較 ............................................................................................7 兩國(guó)金融機(jī)構(gòu)對(duì)待住房信貸的態(tài)度 ........................................................................7 我國(guó)個(gè)人住房抵押貸款現(xiàn)狀 ..........................................................................................8 現(xiàn)今我國(guó)房貸面臨的主要問題 ................................................................................8 我