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住房贷款的风险防范对策研究

Research on risk prevention of housing loan

Finance Analysis and Management / 2019,1(2): 51-60 / 2019-12-30 846 811

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• Authors: 赵榭
• Information:

  广西财经学院，南宁

• Keywords:
  housing; loan; risk; prevention
  住房; 贷款; 风险; 防范
• Abstract: with the continuous expansion of China's real estate market, the balance of housing loan is also growing, so it is more and more important to prevent the risk of housing loan. Based on the analysis of the credit risk, interest rate risk, market risk and liquidity risk contained in the housing loan in China and their causes, this paper puts forward some countermeasures to prevent the risk of the housing loan in China, and points out that we should earnestly implement the new policy of housing loan, restrain the investment and speculative purchase of housing, strive to regulate the supply and demand of the real estate market and stabilize the housing price, and strictly check the commercial banks; Try to transfer and eliminate risks. 随着我国房地产市场的不断扩张，住房贷款余额也在不断增长，防范 住房贷款风险显得越来越重要。在分析我国住房贷款中蕴含的信用风险、利率 风险、市场风险和流动性风险及其成因的基础上，对防范我国住房贷款的风险 提出若干对策，认为应认真贯彻落实房贷新政策，抑制投资、投机性购房；努 力调控房地产市场供求，稳定房价；商业银行严格把好审核关；设法转移和化 解风险等。
• DOI: https://doi.org/10.35534/fam.0102009c
• Cite: 赵榭．住房贷款的风险防范对策研究［J］．金融分析与管理，2019，1（2）：51-60．