在个人住房贷款市场上，中国建设银行占有一定的优势。
Individual housing loans in the market, the China Construction Bank has certain advantages.
我们提供的个人住房贷款，或按揭，月息是0.42%。
We offer Personal Housing Loans, or mortgages, at a rate of 0.42% per month.
以此为我国商业银行完善个人住房贷款风险管理体系提供一定的参考意义。
This is our country commercial bank perfecting personal housing loan risk management system to provide certain reference significance.
信息不对称是我国银行个人住房贷款风险产生的深层次原因。
Unmatched information is the profound reason for bank credit risks in China.
个人住房贷款分为自营性住房贷款、委托住房贷款和组合贷款。
Housing loans are divided into housing loans on own account, housing loans on authorization and combined loans.
目前，我国已经进入了个人住房贷款风险暴露和显现的高危时期。
It is high time that the risk of personal housing loan was possible to appear.
最后提出了改善商业银行个人住房贷款信用风险管理外部环境的对策。
Finally, some measures are suggested to improve the exterior environment of credit risk management of commercial Banks' individual housing loan.
个人住房贷款业务以其担保可靠、收益较高、风险易控等特点，倍受银行业的青睐。
Personal housing loan business by its earnings, reliable guarantee high risk, etc, to control the favour of banking industry.
因此，研究个人住房贷款信用风险问题具有很强的现实意义和应用性。
Therefore, research on credit risk's management of individual loan become the realistic meaning and applicable.
同时它也为房价高速增长、个人住房贷款规模日益庞大的中国敲响了警钟。
Simultaneously it alarms China whose house prices are increasing fast and whose individual housing loan scale is going to be huge.
最后，通过个人住房贷款信用风险评估体系的建立验证了这些方法的实用性。
Finally, through constructing credit risk evaluating system of individual housing loan, the practicality of these methods was proved.
在我国商业银行发放的个人住房贷款余额快速增长的同时，违约率也开始攀升。
While individual housing loans balance that our country commercial bank gives out increases by rapidly, infringement rate also begins to clamber rising.
人民币各项贷款(不合个人住房贷款)的计息和结息方式，由借贷双方协商确定。
The method for calculating and settling the interest of all items of Renminbi loans (excluding individual housing loans) shall be determined through negotiation between the borrower and the lender.
最后，论文就完善我国个人住房贷款信用风险评估模型的应用环境提出了相应的建议。
Finally, perfect thesis our country individual housing loans credit risks estimate that model application environment has submitted corresponding suggestion.
然而根据VAR理论推算出的个人住房贷款非预期损失却大大超过了4%的配置标准。
Nevertheless, according to the theoretical VAR projected housing loans to individuals of non-expected losses greatly exceeded the 4% of the standard configuration.
本文详细分析了银行个人住房贷款风险的成因，并在此基础上提出了相应的防范与化解对策。
The paper analyses the cause of the individual housing loan risk, and offers related counter measures.
当住房消费成为新的消费热点后，房地产金融业务的重心也逐渐从房地产开发贷款向个人住房贷款业务转移。
When house consuming becomes hotspot, the real estate finance also transfers its center from development loan to individual housing loan gradually.
在大力发展个人住房贷款业务过程中，随着规模的不断扩大，该项业务中存在的问题和风险也逐步暴露出来。
In the process of vigorously developing personal residential mortgage, alone with continuous expansion of the business, the existing problems and risks are gradually exposed.
目前，我国对个人住房贷款实行浮动利率制度，即商业银行每年根据市场利率情况对房贷利率进行相应的调整。
At present, China's floating interest rates on housing loans to individuals of the system, namely, commercial Banks in accordance with market interest rates on loans annually adjusted interest rate.
本文对个人住房贷款中，借款人的潜在风险进行了深入分析，并联系当前实际提出相应的控制、防范风险的措施。
This paper analyses the hidden risks of the borrowers in it deeply and puts forward the corresponding control and precaution measures related the current situation.
本文主要是通过对我国商业银行个人住房贷款信用风险的仔细研究，总结出防范个人住房贷款信用风险的一些议建。
This article mainly through study carefully for individual housing credit risk of our commercial bank loan, sums up some suggestion in the prevention of personal housing loan credit risks.
从房地产开发贷款到个人住房贷款，银行都提供了强有力的信贷支持，正是有了这种政策的支持才使我国的房地产价格不断攀升。
From real estate development loan to the individual housing loans, Banks provide a stronger credit support, Because of this policy of support to make our real estate prices rising.
在决策树理论的指导下，通过信息增益的应用和公式的构造获取属性重要程度评价值，结合决策树挖掘得到个人住房贷款风险评估模型。
Based on the theories of decision tree, this paper gets the importance assessment value among attributes through applying information gain and constructing formula.
麦肯锡公司预测，未来几年后，中国的信用卡产业所带来的利润，到2013年就可能达到130亿元左右，信用卡将成为仅次于个人住房贷款的第二大零售信贷产品。
McKinsey Co. predicted that in the next few years, the profits of credit card industry in 2013 would reach 130 billion, and the credit CARDS will become the second-largest retail credit product.
本文从我国个人住房贷款风险状况入手，对比分析了国外商业银行个人住房贷款风险管理框架和方法，全面探索了我国商业银行风险管理体系的构建和相应的措施手段。
This essay starts with the situation of our personal real-estate loan's risks and analyzes the personal real-estate loan's risk management frame and methods of foreign commercial Banks.
本文从我国个人住房贷款风险状况入手，对比分析了国外商业银行个人住房贷款风险管理框架和方法，全面探索了我国商业银行风险管理体系的构建和相应的措施手段。
This essay starts with the situation of our personal real-estate loan's risks and analyzes the personal real-estate loan's risk management frame and methods of foreign commercial Banks.
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