我国个人住房贷款近几年发展迅猛,被银行业视为低风险业务,但其风险也不可忽视,其面临的风险主要有:信用风险、操作风险、法律风险、市场风险和政策风险等。为了应对相关风险,商业银行应从多方面完善个人住房贷款的风险管理,如:改善个人信用风险的识别环境;加强信贷管理,防范经营风险;加强法律跟踪,防范法律风险;健全个人住房贷款评估、担保制度;加强对国家房地产政策研究等。 In recent years, China’s personal housing loans have developed rapidly and are regarded as low-risk businesses by the banking industry. However, their risks can not be ignored. The risks they face are mainly credit risk, operational risk, legal risk, market risk and policy risk. In order to cope with the related risks, commercial banks should improve the risk management of individual housing loans in various aspects, such as: improving the identification environment of personal credit risk; strengthening credit management and preventing business risks; strengthening legal follow-up and guarding against legal risks; improving personal housing loan evaluation, Guarantee system; strengthen the national real estate policy research.