摘要：随着国家控政策的进一步加强和改善，南京市个人住房贷款的风险问题越来越成为人们关注的焦点之一。本文从南京市商业银行个人住房贷款风险的定义、现状、成因、防范对策等方面对南京市个人住房贷款风险进行了详细的分析，为南京市商业银行个人住房贷款业务的健康发展提供参考。南京市个人住房贷款风险的类型有信用风险、系统性风险、流动性风险和利率风险，成因有审核条件的放松、信息不对称、银行内部风险控制弱、贷款催收缺乏有效方法、假按揭贷款和利率变动，解决的方法有树立竞争意识、加强内部管理、保证信息真实、及时沟通、规范操作和建立贷款损失准备金制度。

关键词：南京市；商业银行；个人住房贷款；风险防范

Abstract：Along with the national control policy to further strengthen and improve， Nanjing individual housing loan risk problem more and more become the focus of people's attention. This article from the Nanjing City Commercial Bank individual housing loan risk definition， present situation， causes， countermeasures and so on Nanjing individual housing loan risk is analyzed in detail， for the Nanjing City Commercial Bank individual housing loan business to provide reference for the healthy development. The risk of Nanjing personal housing loan types are credit risk， systematic risk， liquidity risk and interest rate risk， causes of audit conditions relaxed， asymmetric information， bank internal risk control is weak， lack of effective methods of loan collection， false mortgage loans and interest rates， the solution is to establish competitive consciousness， strengthen internal management， ensure the information is true， timely communication， normative operation and the establishment of the reserve system of the loan loss.

Keywords：Nanjing;Commercial Banks;Personal Housing Loan;Risk Prevention