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住房金融风险是指金融机构在住房金融市场进行生产住房、消费住房(包括租赁)进行资金融通和结算等金融服务活动时,由于各种不确定因素的影响,面临的决策、管理及客观环境变化等原因导致其实际收益与预期收益发生背离,产生相应的风险收益或风险损益。住房金融风险不仅包括单项业务、金融机构个体面临的风险,也包括整个住房金融体系的系统性风险。一、住房金融风险的种类1.信用风险信用风险是指贷款人不能按期偿还而导致的违约风险,信用风险是金融机构面临的主要风险。贷款人
Housing financial risk refers to the financial institutions in the housing finance market for production housing, consumer housing (including leasing) for financial intermediation and settlement and other financial services activities, due to various uncertainties, facing the decision-making, management and objective changes in the environment And other reasons lead to the deviate from the actual return and expected return, resulting in the corresponding risk return or risk profit or loss. Housing financial risks include not only individual businesses but also the risks faced by individuals in financial institutions as well as the systemic risks of the entire housing finance system. First, the types of housing financial risks 1. Credit risk Credit risk refers to the lender can not be due to repay the default risk, credit risk is the main risk facing financial institutions. lender