2002年以来,我国经济迅速增长、城市化进程加快,促使我国房地产业迅速发展。个人住房抵押贷款作为一种主要的住房金融工具,其发放规模也与日剧增。但是个人住房抵押贷款也遇到很多问题,存在各种各样的风险。本文从信息不对称这个角度来分析商业银行个人住房抵押贷款所面临的风险,并提出了相应的防范措施。 Since 2002, China’s economy has grown rapidly and its urbanization has accelerated, prompting the rapid development of China’s real estate industry. Personal housing mortgage loans as a major housing finance instruments, the scale of its release with the Japanese surge. However, personal housing mortgage loans also encounter many problems, there are a variety of risks. This article from the perspective of information asymmetry analysis of commercial bank personal housing mortgage loan risks, and put forward corresponding preventive measures.