摘要:个人住房贷款业务作为中国建设银行的一大特色的服务品牌有着很大的发展空间和潜力，但由于近年来国内外经济环境的不断变化，使得个人住房贷款业务存在的问题和风险被逐渐地暴露出来。

　　　本文通过介绍中国建设银行个人住房贷款业务的优势，揭示个人住房贷款业务发展的现状并进行分析，对存在的业务问题和风险进行归类并分析其原因，总结影响其业务发展的主要障碍。与此同时，以美国次贷危机对全球经济以及对中国的金融经济出现的冲击为警示，结合我国国情，从经济手段、法律手段、行政手段各个方面探讨建设银行应该如何防范和控制风险，通过制定具体措施，为完善我国建设银行个人住房贷款业务的发展提出相关对策。

关键词：中国建设银行，个人住房贷款，风险，次贷危机，防范

Abstract:Individual Housing Loans as a major feature of the China Construction Bank (CCB) of the service brand has much room for development and potential, but due to the changing economic environment at home and in the foreign countries in the recent years, making the problems and risks of Individual Housing Loans business be exposed gradually.

According to the introduction of the advantages of Individual Housing Loans business in CCB, this article reveal and analyze the status of the Individual Housing Loans business, classify and analysis of the reasons on the existing business problems and risks, summarized that which is the main obstacles to impact its business development. At the same time, the U.S Sub-prime Loan Crisis on the global economy and China’s financial and economic impact as a warming, with the national situation, from the economic means, legal means and administrative means, to explore CCB how to prevent and control risks in all aspects. What’s more, through concrete measures to improve our CCB Individual Housing Loans business development and put forward relevant countermeasures.

Key Words: China Construction Bank, Individual Housing Loan, Risk, Sub-prime Loan Crisis, Prevention