论文部分内容阅读
我国国民经济体制在改革和完善中已经得到了更好的发展,随着市场经济发展的越来越好,银行的贷款业务与人们的生活越来越紧密,也慢慢实现了全面的开放。近几年,买房热已经成为一种独特的社会现象,由于房价一直持续不下,大多数人都选择贷款买房,这有利推动了我国个人房贷业务的发展,我国个人房贷业务在发展中也存在很多问题,本文通过对我国商业银行个人房贷业务的研究,找出其中存在的问题,探讨如何做好风险防范与控制工作。
China’s national economic system has been better developed in the course of reform and improvement. With the development of a market economy, the bank’s loan business has become more and more closely linked with the people’s life, and it has gradually achieved a full-scale opening up. In recent years, buying hot has become a unique social phenomenon, because the price has been sustained, most people choose to buy a house loan, which is conducive to promoting the development of China’s personal mortgage business, China’s personal mortgage business in the development there are many Problems, this paper through the study of China’s commercial bank personal mortgage business to find out the problems that exist, to explore how to do a good job of risk prevention and control.