伴随房价的不断攀升，国家对房地产市场调控力度不断加大。在国家经济发展压力较
大的情况下，房地产市场前景存在着许多不确定性，个人住房抵押贷款业务中各种风
险也在逐步暴露，A 银行个人住房抵押贷款的风险管理工作亟待加强。本文以 A 银
行姑苏支行为例，通过对 A 银行姑苏支行住房贷款的流程梳理，深入分析个人住房
抵押贷款的各种风险，归纳总结成因，提出了若干适合 A 银行姑苏支行的个人住房
抵押贷款业务风险防范建议。本文共包括七章

第一章为绪论。说明选题的背景和意义，回顾国内外学者的研究成果，阐述研究
方法、思路和框架

第二章为概念与相关理论。介绍住房抵押贷款风险相关概念及理论基础

第三章阐述目前我国住房抵押贷款业务中存在的风险。从借款人、抵押物等多方
面介绍目前我国银行在个人住房抵押贷款中的主要风险点

第四章为 A 银行姑苏支行个人住房抵押贷款现状及风险管理。从其个人住房抵
押贷款业务的情况、流程、风险控制现状来介绍

第五章为原因分析。从银行、开发商、借款人、抵押物等方面，剖析 A 银行姑
苏支行住房抵押贷款中的风险成因

第六章为个人住房抵押贷款业务风险防范改善建议。在原因分析的基础上，提出
A 银行姑苏支行个人住房抵押贷款风险管理中各方面的建议和措施

第七章为结论与展望。对本文进行归纳总结，以期提高姑苏支行风险管理水平，
在发展与风险控制中寻找到平衡点，促进 A 银行姑苏支行银行个人住房贷款业务健II
康发展

关键词：个人住房抵押贷款 风险管理 抵押物
作 者：罗晓诚
指导老师：徐 涛III
Research on the Risk Management of Bank Mortgage Loan
--The analysis of the Bank A, Gusu Branch
Abstract
The individual housing mortgage loan in China has been regarded as the high-quality
assets by banks. With the rapid development of the real estate market, the scale of
individual housing mortgage loan in China is expanding, but the amount of
non-performing loans is also increasing. Under the pressure of national economic
development, there are many uncertainties in the real estate market, and the risks of
individual housing mortgage loan are gradually exposed. The risk management on
individual housing mortgage loan of Bank A needs to be strengthened. This paper takes
Bank A, Gusu Branch as an example. Based on the analysis of the process of housing loan
of a bank, this paper deeply analyzes the various risks of individual housing mortgage loan,
sums up the causes, and puts forward some suggestions on the risk prevention of personal
housing mortgage loan of bank A. Seven chapters are included in this paper.
The first chapter is the introduction, which explains the background and significance
of the topic, reviews the research results of scholars at home and abroad, and expounds the
research methods, ideas and framework.
The second chapter is about the concept and related theories, and introduces the
related concepts and theoretical basis of the housing mortgage loan risk.
The third chapter describes the risks of current housing mortgage business in China,
and introduces the main risk points of individual housing mortgage loan in China’s banks
from the mortgagors, collateral, and other aspects.
The fourth chapter is about the current situation and risk management on individual
housing mortgage loan of Bank A, Gusu Branch, which is introduced from the situation of
the condition, process and the present situation of risk control.
Chapter 5 analyzes the reasons. The reason analysis on the mortgage loan risk of BankIV
A, Gusu Branch is from the aspects of banks, developers, mortgagors, collateral, etc.
The sixth chapter is the suggestions on the improvement of individual housing
mortgage loan business risk prevention. Based on the analysis of the reasons, this paper
puts forward the suggestions and measures of the individual mortgage loan risk
management of Bank A, Gusu Branch.
The seventh chapter is the conclusion and prospect, which is the summary of this
paper. The aim is to improve the risk management level of Gusu Branch, to find a balance
in the development and risk control, and to promote the healthy development of individual
housing loan business of Bank A, Gusu Branch.
Keyword：individual housing mortgage loan、risk management、collateral
Written by：Luo Xiaocheng
Supervised by：XuTao目 录
第 1 章 绪论 ··1
1.1 研究背景·1
1.2 研究意义·2
1.3 国内外研究综述及简要评析·3
1.3.1 国外相关研究文献··3
1.3.2 国内相关研究文献··5
1.4 研究方法·8
1.5 研究思路及框架·9
第 2 章 主要概念与相关理论 10
2.1 主要概念·· 10
2.1.1 个人住房抵押贷款的定义和分类 10
2.1.2 个人住房抵押贷款的特点 10
2.1.3 个人住房抵押贷款风险的定义及分类 11
2.1.4 个人住房抵押贷款风险的特征 12
2.1.5 个人住房抵押贷款风险产生的根源 12
2.2 个人住房抵押贷款的相关理论·· 13
2.2.1 贷款价值比率理论 13
2.2.2 信息不对称理论 13
2.2.3 理性违约与被动违约理论 14
2.2.4 风险期权理论 15
2.2.5 全面风险管理理论 16
2.2.6 资产证券化理论 16
第 3 章 目前我国住房抵押贷款业务中存在的风险 18
3.1 假按揭风险·· 18
3.2 抵押物及评估风险·· 20
3.3 银行自身风险·· 21
3.4 借款人违约风险·· 22
3.5 不良贷款处置风险·· 243.6 市场风险·· 24
3.7 政策风险·· 25
第 4 章 A 银行姑苏支行住房抵押贷款及风险管理介绍··26
4.1 A 银行姑苏支行概况简介 26
4.2 A 银行姑苏支行住房抵押贷款业务现状 26
4.3 A 银行姑苏支行住房抵押贷款流程、风险控制现状 29
4.3.1 A 银行住房抵押贷款业务操作流程· 29
4.3.2 A 银行姑苏支行住房抵押贷款风险控制现状· 31
4.4 A 银行姑苏支行住房抵押贷款不良情况 32
4.5 A 银行姑苏支行住房抵押贷款风险管理存在的问