多年来,我国各家商业银行的个人住房金融业务呈现出快速、健康发展的良好态势。目前,国内多数商业银行推出的个人住房金融产品主要是个人住房贷款,贷款期限上一般为5~30年,还款方式多为按月分期还款。个人住房贷款所具有的自身特点,使得个人住房金融风险呈现出分散性、隐蔽性和滞后性等特征,因而加强对其风险隐患的分析研究就显得尤为重要。1个人住房金融风险分析 Over the years, the personal housing finance business of various commercial banks in China has shown a good momentum of rapid and healthy development. At present, the personal housing finance products launched by most commercial banks in China are mainly personal housing loans. The loan terms are generally between 5 and 30 years. Most of the repayments are made on monthly installments. Individual housing loans have their own characteristics, making personal housing financial risks showing the characteristics of decentralization, covert and lagging behind, and therefore strengthen the analysis of its risk potential is particularly important. A personal housing financial risk analysis