个人住房按揭贷款是我国银行住房金融业务的重要支撑点,有着广阔的发展空间。但是,如果在目前相对欠缺的风险管理体制下进行个人住房按揭贷款的快速扩张,商业银行必将承担巨大的风险。因此,本文分析了个人住房按揭贷款的风险,提出了防范风险的对策。 Personal housing mortgage loan is an important supporting point of China’s banking and housing finance business and has a vast space for development. However, commercial banks are bound to take enormous risks if the rapid expansion of personal housing mortgage loans is carried out under the current relatively lacking risk management system. Therefore, this article analyzes the risk of individual housing mortgage loans and puts forward countermeasures to prevent risks.