个人住房贷款推动了中国房地产业的快速发展,极大地改善了百姓的居住条件,但也

隐藏着不可忽视的信用风险。文章全面总结了阜新银行个人住房贷款信用风险状况,深入

分析了阜新银行个人住房贷款信用风险产生的原因,并在借鉴国外银行管理经验的基础上

提出了阜新银行预防和解决信用风险问题的对策,这些对策具体包括:积极推动社会信用

意识及信用机制建设,完善阜新银行借款人风险防范机制,完善阜新银行幵发商风险防范

机制,强化阜新银行内部管理,建立阜新银行个人住房贷款信用风险控制体系等。这些对

策建议对阜新银行充分认识个人住房贷款所隐藏的信用风险,釆取有效的预防措施,维护

金融稳定具有重要的现实意义。

关键词:商业银行;住房贷款;信用风险

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Abstract

Personal housing loan to promote the rapid development of China's real estate

industry, greatly improved the living conditions of the people, but also hidden credit

risk can never be ignored. Article comprehensively summarizes the Bank of Fuxin

individual housing loans credit risk status, in-depth analysis of the cause of Bank of

Fuxin individual housing loans credit risk, and draw lessons from foreign Banks

management experience fuxin is proposed on the basis of the prevention and the

countermeasures to solve the problem of credit risk,the countermeasures including:

actively promote the construction of social credit consciousness and credit mechanism,

perfect the Bank of Fuxin borrower risk prevention mechanism, perfect developers Bank

of Fuxin risk prevention mechanism, strengthen the Bank of Fuxin internal management,

establish Bank of Fuxin individual housing loan credit risk control system, etc. These

countermeasures and Suggestions for Bank of Fuxin fully recognize hidden personal

housing loan credit risk, to take effective measures to maintain financial stability has

important practical significance.

Key Words: Commercial banks; Individual housing loan; Credit risk