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近年来,个人住房担保贷款业务作为国内商业银行风险相对较低的优质个人信贷产品,已然成为商业银行信贷业务转型的战略重点,在经历了全球金融危机的冲击和国家对房地产市场的政策性调控之后,个人住房担保贷款业务实现了超常规、跨越式的发展。随着商业银行个人住房担保贷款规模的日益扩大,房地产市场的不确定性增加,互联网金融的高速发展,必然对银行个人贷款业务风险防范提出新的更高的要求。本文从个人住房担保贷款业务流程的各个方面,揭示当前商业银行在开展个人住房担保贷款业务存在的突出问题,分析个贷业务的风险成因,探讨商业银行在开展个贷业务的风险防范措施。
In recent years, personal housing secured loan business as a relatively low-risk high-quality personal credit product in domestic commercial banks has become a strategic focus of commercial banks’ credit business transformation. Having experienced the impact of the global financial crisis and the state’s policy regulation on the real estate market After that, the personal housing secured loan business achieved an extraordinary and leapfrog development. With the increasing scale of personal housing secured loans of commercial banks, the increasing uncertainty of the real estate market and the rapid development of Internet finance, new and higher requirements will inevitably be put on the prevention of bank personal loan risks. This article from all aspects of personal housing guarantee loan business processes, reveals the current commercial banks in the personal housing loan business outstanding problems, analyze the risk of personal loan business causes, to explore commercial banks in the personal loan business risk prevention measures.