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.
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