【正文】 史。近年來朝著規(guī)?；?、全面化的方向發(fā)展，可謂是實現(xiàn)了互惠雙贏的效果。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。 Prevention 目 錄 1緒論........................................................................................................................... 1 .......................................................................................................1 ....................................................................................................... 1 .........................................................................................................2 .........................................................................................................3 ................................................................................................3 ................................................................................................4 ..............................................................................42我國商業(yè)銀行個人住房貸款現(xiàn)狀...................................................................................5 .....................................................................................................5 .......................................................................................63 我國商業(yè)銀行個人住房貸款風險分析........................................................................7 .......................................................................................................................7 ............................................................................................7 ...................................................................................8 （房價）對信用風險的影響............................................................8 ........................................................................................................................9 ...............................................................................9 .........................................10 ..................................................................................................................10 ..............................................................................10 ..................................................................................... 10 ............................................................................................................ 11 .....................................................................................................11 .........................................................................................................124 我國商業(yè)銀行個人住房貸款風險成因及防范方法.................................................14 ......................................................................................... 14 ，缺乏激勵和約束機制................................14 .........................................14 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結論......................................................................................................................................24致謝...........................................................................................................................................25參考文獻...................................................................................................................