文档介绍：摘要
我国房地产业快速发展促使住房抵押贷款规模不断扩大,个人住房抵押贷款已经成为商业银行贷款发放的重要组成部分,由此对贷款的风险管理提出了很高的要求。住房抵押贷款业务的开展具有极为重要的意义:就微观层面言之,它使购房人的支付能力增强,住房需求提前得到满足,居住条件得到改善,银行和房地产开发商也从中获得巨大的经济利益;就宏观层面言之,一方面,它推进了我国的住房制度改革,另一方面,扩大了内需,促进了房地产业及相关产业的发展,拉动了国民经济增长。文章分析了个人住房抵押贷款作为一种主要的住房金融工具在银行信贷总额中占有很大的比重,且具有贷款额大、还款期长的特点。
关键词: 中国工商银行内蒙古分行;住房抵押贷款; 风险
Abstract
the rapid development of real estate industry in our country to housing mortgage continues to expand the scale of individual housing mortgage has e mercial bank loans, which is an important part of the risk management of loans raised very tall requirement. Housing mortgage loan business development has a very important significance: just say for micro level of the person that buy a house, it makes pay ability strengthens, housing needs met, ahead of living conditions improved, Banks and property developers also gain enormous economic interests; Will the macroscopic level of words, on the one hand, it boosted our housing system reform, on the other hand, expanding domestic demand and promoting the real estate industry and the related industries, pull up the national economic growth. This paper analyzes the individual housing mortgages as a major housing finance tools in bank credit has a large proportion in the total, and has the characteristic with long, bitter payments.
Key words: icbc Inner Mongolia branch; Housing mortgage loan; risk
目录
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2. 中国工商银行内蒙古分行个人住房抵押贷款业务发展现状 3
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3. 中国工商银行内蒙古分行个人住房抵押贷款风险分析 4
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致谢 10
参考文献 11
近年来,我国经济的快速发展,城市化进程的加快,居民收入水平的提高以及居民对改善居住条件的渴望,促使我国房地产业迅速发展。与此同时,我国商业银行个人住房抵押贷款业务的增长规模也相应加快,个人住房抵押贷款已经成为银行发放贷款的主要领域之一。美国次贷危机打破了住房抵押贷款是优质资产的神话,同时也给了我国房地产市场及商业银行一个很好的警示,对此我们应该引以为鉴。
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