【摘要】 首先分析住房抵押不良贷款形成的原因构成,其次分别从客户、开发商以及商业银行的角度对个人住房抵押贷款业务中不良贷款形成的主要原因进行分析,最后就如何防范和化解住房抵押不良贷款,提出强化借款人还款能力审查、建立借款人实际支付能力分析框架、健全个人信用制度、住房抵押贷款证券化、建立个人住房抵押贷款担保制度和商业保险制度、加强银行自身内部管理、完善法律法规体系等一系列防范措施。更多还原

【Abstract】 Analyse the composition that the mortgage non-performing loan of the house forms at first, Main reason why the non-performing loan form analyse to personal home mortgage business in terms of customer, developer and commercial bank separately secondly, On how finally take precautions against and dissolve house mortgage non-performing loan, is it strengthen debtor refund ability check to propose, set up debtor’s actual solvency and analyse the frame , perfect the credit rating system , home mortgage securitisation, perfect personal house mortgage loan guarantee system and business insurance system , strengthen bank one’s own inside manage , perfect laws and regulations system a series of precautionary measures.更多还原