目前,整个银行业正面临着资金流动性过剩及盈利压力困境。为了摆脱这一困境,各商业银行纷纷调整信贷结构,将个人信贷业务作为未来业务发展的重点。尽管从资产质量来看,个人住房贷款目前的逾期率相比其他贷款来说较低,但从国际经验来看,个人房贷的风险一般是在发放贷款后的3年～8年中逐步显现。我国目前的个人住房贷款余额中, At present, the entire banking industry is facing the problem of excess liquidity and profit pressure. In order to get out of this dilemma, all commercial banks adjusted the credit structure in succession and made personal credit business the focus of their future business development. Although the current overdue rates of individual home loans are lower than other loans in terms of asset quality, the risk of personal home loans is generally gradually seen in three to eight years after the loans are made, in international experience. China’s current personal housing loan balance,