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.
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.
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.
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.
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.
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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