中文翻译成英文~~随着我国城市化进程的逐步推进和城镇住房制度改革的不断深入,作为国民经济支柱产业之一的房地产业近年来取得

中文翻译成英文~~
随着我国城市化进程的逐步推进和城镇住房制度改革的不断深入,作为国民经济支柱产业之一的房地产业近年来取得了快速的发展.在此背景下,个人住房贷款作为一种新的金融产品应运而生,从目前我国的情况看,由于个人住房贷款具有风险低、收益高的优点,同时又受到国家政策的支持和鼓励,各商业银行都纷纷进入该市场,因此,业务发展十分迅速.虽然我国已经建立了较为完善的个人住房贷款风险防范制度,但是我国商业银行在个人住房贷款风险管理方面还存在很多的不足、面临很多风险管理方面的难点和障碍等.本文先描述我国商业银行个人住房贷款风险风险类型以及成因,其次分析我国个人住房贷款的现状及风险表现形式,最后从内部控制和外部防范两个方面提出防范手段及对策.

With the country urbanization process of gradual and continuous deepening of the reform housing system,as the real estate industry is one of the pillar industries of national economy has achieved rapid development in recent years.Under this background,the personal housing loan as a kind of new financial products arises at the historic moment,from the current situation of our country,because the personal housing loan has the advantages of low risk,high income,encouraged by the support of national policy and again at the same time,commercial Banks have entered the market,therefore,business development is very rapid.Although our country has established a relatively perfect system of personal housing loan risk prevention,but personal housing loan risk management in commercial Banks still exist many deficiencies,facing many difficulties and obstacles,such as risk management.This article describes our country commercial bank personal housing loan risk types and risk factors,secondly analyzes the forms and situation of the personal housing loan risk,finally from the two aspects of external and internal control to prevent preventive measure and the countermeasures are put forward.