文档介绍：摘要个人住房贷款业务在我国开展时间不长,但增势迅猛。其风险也日益显现。本文按照新巴塞尔协议的风险分类要求,对个人住房信贷四类经营风险逐一进行了分析,并提出了相应的防范、化解、控制、转嫁机制建设建议。对政策风险和法律风险也做了简要分析和控制建议。笔者认为,信用风险是住房抵押贷款面临的最大风险,因而,是本文研究的重点。通过运用微观信息经济学的信息不对称理论,个人住房抵押贷款风险的博弈模型和案例,分析认为,个人道德信用管理制度和个人资产信用评价体系的缺失加剧了信用风险,而信息不对称是产生信用缺失的主要原因。为解决“道德风险”和“逆向选择”问题,需建立起激励机制和信号传递机制。据此,笔者针对我国当前的个人信用体系建设现状,在信用信息标准、采集加工方法、评估体系确立、违约约束机制、“信号传递”手段和法律法规建设等方面提出了建议;并针对我国宏观个人信用体系的建立完善尚需时日的客观情况,提出了参照《巴塞尔新资本协议》的具体要求,建立我国银行业零售敞口内部评级体系的构想和步骤。并且,笔者采用过程控制理论的思想、管理的系统方法和基于事实决策的方法,建立了商业银行风险管理内控体系的框架。最后,笔者对风险转移和分散的另一有效金融工具——抵押贷款证券化进行了关注,在比较分析了两种模式(资产负债表内、表外)证券化及其适用性之后, 对建设银行的住房抵押贷款证券化模式选择和方案作了框架性设计。关键词:个人住房抵押贷款风险控制信用证券化内控体系 Abstract Itis not long thatthebusiness oftheindividual Housing loanlaunches timein our country,but thegrowth trendisswiftand daybyday too. This textclassifiesthedemand according totheriskofthe agreement ofnew Basel, has analyzed tofourkinds ofbusiness risksofcreditofindividual house one by one, haveput forward thecorresponding strickprecaution,dissolved,controlling,shifting the mechanism to build the made briefanalysis and controlled the suggestion on thepolicy riskandlegal ,the creditrisksarethegreatest risk thatthehome mortgage face,therefore,it isthefocalpoint thatthis text studies. Through using theinformationasymmetry theory ofmicroinformationeconomics,and thechessmatch model oftheindividual home mortgage risk,isthink toanalyses,the creditmanagement system oftheindividual morals and disappearance ofthecredit appraisalsystem ofpersonal assets haveaggravated thecreditrisks,and theinformation asymmetry isthemain reason thatproduce credit tosolve’’moralsrisk ”and”reversechoice”problem,need to setup incentive mechanism and signaland transmit the view oftheabove,I build the current situation to our country’S present personal creditsystem,information standard incredit,gathering processing method,establishing,tied mechanism inbreach of theevaluation system,’’ the signaltransmit