摘要:本文通过对我国目前商业银行住房抵押贷款市场所存在的主要问题进行分析，提出解决这些问题的对策建议，最终达到健全商业银行住房抵押贷款市场、解决商业银行住房抵押贷款中所存在问题的目的。

    本文的内容安排如下:在绪论部分，文章阐述了本文的选题背景、研究意义、住房抵押贷款的概念、国内外研究现状和本文的研究主线。文章的第二部分从商业银行住房抵押贷款风险的种类入手，分析了商业银行住房抵押贷款风险的成因，并对不同风险做了介绍和比较分析，最后阐述了商业银行住房抵押贷款风险的防范和化解措施。就健全中国的商业银行住房抵押贷款市场，提出了一套较为切实可行的对策建议。

关键词：商业银行住房抵押贷款 、贷款违约风险、风险因素、风险防范，贷款成因

Abstract:This article through to our current commercial bank housing mortgage market the main problem existed analysis, some countermeasures to solve these problems, and finally achieve perfect commercial bank housing mortgage market, solving business bank mortgage problems existed in the purpose. 

　　The contents of this paper are arranged as following: in the introduction section, this paper expounds the topic of this article background, research significance, housing mortgage concept, research status and the mainline. Part two of this article from the commercial Banks types of housing mortgage-backed risk of commercial bank, analyses the causes of housing mortgage-backed risk, and different risk were introduced and the comparative analysis, finally expounds mortgage risk of commercial Banks to prevent and eliminate measures. China's commercial Banks will sound mortgage market, also puts forward a series of feasible countermeasures and Suggestions 

Key Words: Housing mortgages 、Loan default risk、 Risk factors、 Risk prevention

　　银行开展个人住房抵押贷款业务的过程中，受房地产价格波动、利率变动、借款人收入变化以及银行内部管理等因素的影响，会面临不同类型的风险，包括信用风险、流动性风险、利率风险、法律风险和操作风险等。其中，信用风险也称作违约风险，是指因借款人还款能力下降和还款意愿不强而发生贷款本息拖欠，导致银行贷款损失的风险。它是银行开展个人住房抵押贷款业务过程中面临的最主要和最基本的风险。

　　因此，本文通过理论研究分析，揭示违约贷款发生的规律和影响违约风险的主要因素，为住房抵押贷款的违约风险提供一些基础信息。