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随着我国经济体制改革的深入发展和市场经济体系的不断发育完善、金融信贷业务逐渐向个人全面开放,个人贷款的业务品种和业务范围如雨后春笋般蓬勃发展,尤其是个人住房贷款业务的发展更快。住房制度改革的不断深化使得发展住房金融成为真正启动消费信贷的关键问题,而个人住房贷款作为住房金融重点支柱部分也已成为社会各界关注的热点话题。目前各商业银行争相开办个人住房贷款业务,竞争越来越激烈,纷纷提出更加优惠的政策、更优质快捷的服务,争夺分享个人住房贷款市场的一杯羹。然而在业务快速发展的同时我们也产生了一些困惑,归根到底,便是如何将风险防范与业务发展有机结合起来的问题。个人住房贷款毕竟年限长、单笔数额较大,其风险随着贷款年限的推移以及国家货币和产业政策的调整也将不可避免地显现出来。因此,在大力发展这种热点业务的同时,不能忽略其风险的存在,必须加强对其风险隐患的研究,这里主要分析个人住房贷款风险的特点及其成因,并就其控制措施作出一些个人的思考。
With the further development of China’s economic reform and the constant development and improvement of the market economy, the financial credit business has been gradually opening up to individuals. The business varieties and business scope of personal loans have thrived, especially the development of personal housing loans. fast. The deepening housing system reform makes the development of housing finance has become the real issue of consumer credit key issues, and personal housing loans as a key pillar of housing finance has also become a hot topic of concern to all sectors of society. At present, all commercial banks vying to start their own individual housing loan businesses are increasingly fiercely contending. They have also proposed more preferential policies, better quality and more efficient services and vied for a share of the personal housing loan market. However, at the same time of rapid business development, we also have some confusion. In the final analysis, it is an issue of how to combine risk prevention with business development. After all, long-term personal loans, single larger, the risk with the passage of the loan life and national currency and industrial policy adjustments will inevitably be revealed. Therefore, while vigorously developing this hot business, we can not neglect the existence of its risks. We must strengthen the study of its potential risks. Here we mainly analyze the characteristics and causes of personal housing loan risks and make some personal Thinking.