中国银行个人住房贷款业务风险及其防范的研究.docx

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 中国银行个人住房贷款业务风险及其防范的研究 摘要：中国是世界人口最大国，从古至今，“安居乐业”一直是中国传统文化的重要理念之一，所以，个人住房问题也是我们从古至今社会高度重视的一个问题之一。随着我国住房制度的不断完善与加深，购房相关配套政策的不断放宽，以及当今社会的现实需要，我国广大人民群众的购房热情不断加深，因此促进了商业银行个人住房贷款业务的发展，与此同时，其风险亦随之而来。那么，在这种购房热潮的新形势下，作为四大行之一的中国银行，对于个人住房贷款业务风险及其防范问题的研究是至关重要的，这不仅仅只与中国银行个人住房贷款业务的利益有关，更影响着中国银行的可持续发展。本文以中国银行作为研究对象，采用文献综述法、规范分析法、分析和综合研究的方法，对个人住房贷款风险的成因及防范方面进行研究，发现其主要有两大类风险：一般性风险与特殊性风险，并根据其风险类型及成因提出相应防范措施与建议，以促进中国银行更好的发展。 关键词：个人住房贷款；风险类型；风险成因；风险防范；中国银行  Research on the risk of personal housing loan business of bank of China and its prevention ABSTRACT:China is the most populous country in the world. Since ancient times, live and work in peace and contentment has always been one of the important concepts of Chinese traditional culture.With the continuous improvement and deepening of Chinas housing system, the continuous relaxation of supporting policies related to house purchase, as well as the practical needs of todays society, the enthusiasm of the broad masses of people for house purchase has been continuously deepened, thus promoting the development of personal housing loan business of commercial Banks. At the same time, its risks also come along.Therefore, under the new situation of this house purchase boom, as one of the four major Banks, the bank of China is crucial to the study of the risks of personal housing loan business and its prevention. This is not only related to the interests of personal housing loan business of the bank of China, but also affects the sustainable development of the bank of China.Based on the bank of China as the research object, using literature review method, standard analysis method, analysis and comprehensive study of the method, causes and prevention of personal housing loan risk, found that the risk mainly include two categories: general and special risk, and according to the risk types and causes, put forward the corresponding preventive measures and Suggestions to promote the better d