金融学

毕 业 设 计 (论 文)

题 目： 我国居民个人住房抵押贷款的问题研究 院 （系）： 成人教育学院 专 业： 金融学 学生姓名： 鲍家冰 班 级： 学 号： 指导教师： 甘 泉

2012年12月10日

摘 要

住房问题，一直是困扰世界各国的一个严重问题，无论是经济发达的超级大国，还是经济贫穷落后的国家，都无一例外。住房作为一个产业，既可以增加投资，又可以引导和培育新的消费热点。它对国民经济其他行业和部门有着高度的关联性，涉及约52个部门。九五期间我国确立了以住房建筑作为新经济增长点，带动经济的持续高速发展。如何使这一关系每 一位居民切身利益，又作为经济发展龙头的产业，步入良性发展轨道呢？ 这是一个综全性极强的研究课题，本文拟从住房金融的角度入手，探讨作为住房产业进一步发展的必备的金融服务----个人住房抵押贷款业务的发展。分析了我国个人住房抵押贷款业务目前所面临的风险及其产生的原因，并结合我国实际情况提出了防范各种风险的对策，以促进我国个人住房抵押贷款业务的持续、健康发展。

关键词：个人住房抵押贷款；风险成因；防范对策

Abstract

Housing issues, has been a serious problem plaguing the world, whether it is economically developed superpower, or the economy of poor and backward country, without exception, housing, either as an industry to increase investment, but also to guide and nurture newconsumption hot spots. it has a high correlation in other industries and departments of the national economy, about 52 departments. Ninth Plan China has established a sustained and rapid development of housing construction as a new economic growth points, to promote economic, how to make thisrelationship between the vital interests of every resident, industry as a leader of economic development, into the track of healthy development? this is a comprehensive research project for the whole highly, this paper will start from the point of view of the housing finance to explore further development as the housing industrythe necessary financial services ---- the development of individual housing mortgage business. analysis of the risks faced by our personal mortgage business and its causes, combined with China's actual situation and proposed countermeasures to guard against various risksin order to promote sustained and healthy development of China's individual housing mortgage business.

Keyword：personal housing mortgage loan; risk factors; preventive measures

目 录（黑体三号，居中）

（三号、黑体、居中、目录两字空四格、与目录正文空一行）

引言（四号黑体） ??（点划线、页码用小四宋体，下同）???????? 1 1（空2格）个人住房抵押贷款的简介（四号黑体）???????????1

1.1个人住房抵押贷款的概念（小四号黑体）????????????????????1 1.2（空1格）个人住房抵押贷款的种类…………………………………………………………1 1.3我国个人住房抵押贷款的发展现状……………………………………………………………1

2我国商业银行个人住房抵押贷款风险的成因……………………………………2

2.1缺乏有效的个人信用评价体系????????????????????????2 2.2法律法规不健全（小四号黑体） ???????????????????????2 2.3政策上未能形成有效的住房贷款风险规避机制………………………………………………3 2.4银行信贷管理机制不完善???????????????????????????3

3 我国商业银行个人住房抵押贷款面临的风险????????????????3

3.1信用风险………………………………………………………………………………………3 3.2操作风险………………………………………………………………………………………4 3.3 流动性风险????????????????????????????????4 3.4 利率风险?????????????????????????????????5 3.5 经济周期风险???????????????????????????????5 3.6 抵押物风险????????????????????????????????5 3.7 法律风险?????????????????????????????????6

4我国商业银行个人住房抵押贷款的风险防范措施……………………………………6

4.1建立科学严谨的个人信用评估体系……………………………………………………………6 4.2健全法律法规，增强贷款安全系数……………………………………………………………6 4.3应加强监管，建立风险预警机制………………………………………………………………6 4.4加强银行信贷管理………………………………………………………………………………7 4.5健全抵押物处置制度……………………………………………………………………………7