商業(yè)銀行住房抵押貸款風(fēng)險(xiǎn)與對(duì)策分析-展示頁
2025-06-28 15:27本頁面
【正文】 我國(guó)商業(yè)銀行住房抵押貸款存在的隱患，并針對(duì)這四個(gè)風(fēng)險(xiǎn)分別進(jìn)行了詳細(xì)的研究提出了相應(yīng)的對(duì)策，同時(shí)從完善住房抵押貸款的法律法規(guī)、建立政府住房抵押貸款擔(dān)保制度、發(fā)展住房抵押貸款證券化、建立健全住房抵押貸款保險(xiǎn)制度這四個(gè)方面對(duì)改善現(xiàn)如今商業(yè)銀行住房抵押貸款的狀況進(jìn)行了研究分析。我國(guó)商業(yè)銀行住房抵押貸款的風(fēng)險(xiǎn)分析與對(duì)策研究摘 要在目睹了美國(guó)次貸危機(jī)對(duì)全球經(jīng)濟(jì)的影響，為能有效維護(hù)我國(guó)商業(yè)銀行業(yè)的健康有序發(fā)展，對(duì)我國(guó)商業(yè)銀行住房抵押貸款的現(xiàn)狀進(jìn)行風(fēng)險(xiǎn)分析并尋找有效地措施來防止不利事件的發(fā)生，對(duì)于中國(guó)是一個(gè)迫切而又十分重要的新課題。本文的研究目的是在我國(guó)商業(yè)銀行的相關(guān)政策下，正視我國(guó)商業(yè)銀行住房抵押貸款的現(xiàn)狀，對(duì)存在的風(fēng)險(xiǎn)進(jìn)行分析，并有針對(duì)性的研究相關(guān)的對(duì)策。關(guān)鍵詞：商業(yè)銀行，住房抵押貸款，風(fēng)險(xiǎn)，對(duì)策 Our Commercial Mortgage Risk Analysis and ResearchAuthor：Cai BingrenTutor：Fan YuhongAbstractIn the subprime crisis impact on the global economy, effectively maintain the health of our mercial banking development on our mercial mortgage risk analysis of the present and look for effective measures to prevent the occurrence of adverse events, for China is an urgent and important new topics. This study aims at bringing together the relevant policies of mercial banks in China, face up to our mercial mortgage situation, risk analysis, and targeted researchrelated measures. This article from credit risks, interest rate risk, collateral risk, liquidity risk these four aspects of the mercial bank home mortgage loan risks, and risk for the four exceptions to a detailed study of countermeasures, while from the perfect mortgage law regu
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