关键词：个人住房贷款 风险 商业银行
Abstract: Real estate is a high risk of a capital-intensive industry, the risk of China's real estate industry is highly concentrated on the stage of commercial banks. China's real estate market at the same time, normal development, signs of irrational exuberance has also been revealed, is the accumulation of market risk, manifested in soaring real estate prices in some cities, especially in the Yangtze River Delta region in which the center of the city's most obvious. The existence of the real estate bubble of the safety of individual housing loans of commercial banks to form a real threat .As the real estate special status in the national economy and involves thousands of families, the vital interests of all stakeholders, with housing prices continued to rise sharply in recent years, and the double impact of macro-control, the next price change of real estate and real estate market conditions a profound impact on the pattern of consumers, investors, developers, banks, governments and practitioners in various real estate-related subjects: commercial banks, the real estate bubble burst, banks invest some money in real estate in danger of not being paid, many loans eventually become bad debts, bad debts, the ratio of non-performing loans will increase significantly. If the foam is very serious price declines after the bursting of the enormous losses suffered by the bank is too large, it may damage the credibility of banks, credit banks depositors would cast doubt on the bank run, causing a financial panic, and even lead to bank bankruptcy. With the deepening of the reform of China's commercial banks were banks regulate business philosophy and system management effectiveness in the gradual deepening of the joint-stock reform, will be more concerned about the structure and potential risks banks. The most important stage, focus on the problem of excess liquidity of commercial banks. Excess liquidity of commercial banks, not only have an impact on the bank's own operations, but also a threat to the smooth running of the whole economy. Excess liquidity will lead to excessive competition in the banking sector, the blind pursuit of large customers, irrational reduce the loan conditions and lending rates to fall, amplifying the credit risk and interest rate risk. If excessive liquidity to invest capital and money markets, will lead to continued low interest rates money market instruments major investment, even upside down and deposit rates.
Face a new round of risk issues, commercial banks is an urgent need to improve risk prevention system of individual housing loans; the purpose of writing this paper is to analyze the risks hope status quo on the basis of individual housing loans on individual housing loans to improve the risk prevention system to recommendations.
Key words: Individual Housing Consumption Loan Risk Commercial Banks...