随着信贷业务的发展,个人住房贷款业务在已成为各大银行的热捧对象,但在发展过程中,其风险也暴露出来。本文主要研究光大银行重庆分行的个人住房贷款业务,从信用风险,市场风险,操作风险,流动风险四个方面分析光大银行重庆分行的个人住房贷款风险。最后围绕四大风险,阐述了光大银行重庆分行对个人住房贷款风险的管理防范措施。 With the development of credit business, individual housing loan business has become a favorable target for major banks, but its risks have also been exposed during the development. This article mainly studies the personal housing loan business of China Everbright Bank Chongqing Branch, and analyzes the personal housing loan risk of China Everbright Bank Chongqing Branch from four aspects: credit risk, market risk, operational risk and liquidity risk. Finally, around the four major risks, elaborated the China Everbright Bank Chongqing Branch of personal housing loan risk management and prevention measures.