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随着我国“十一五”规划战略的实施、城市化进程的加快和居民收入持续快速增长,居民购房消费需求将进一步增强,个人住房信贷业务的发展空间巨大。作为成长性和厚利性的个人金融产品,个人住房信贷业务已经成为国内商业银行大力发展的战略支柱业务。在个人住房贷款规模急剧扩张的同时,其自身积累的风险也随着时间的推移逐渐暴露,各家商业银行也使出浑身解数化解风险。在此,笔者结合工作实践谈谈防范个人住房信贷风险的粗浅看法。
With the implementation of China’s “Eleventh Five-Year Plan” strategy, the acceleration of urbanization and the continuous and rapid growth of resident income, the demand for housing purchase by residents will be further enhanced, and the development space for personal housing credit business will be huge. As a personal and financial product of growth and profitability, personal housing credit business has become a strategic pillar of the vigorous development of domestic commercial banks. While the scale of individual housing loans has expanded rapidly, the risks accumulated by themselves have also gradually become exposed over time, and various commercial banks have also resorted to every means to resolve the risks. Here, I talk about working practices to prevent personal housing credit risk crude view.