摘要伴随我国国民经济的不断增长，传统的储蓄、国债等普通的投资方式已经不能满足广大银行客户的需求。由此国家推出了个人住房贷款业务，中国建设银行的特色业务中就包括了个人住房贷款业务，个人住房贷款业务是目前银行贷款业务中的重要的业务。中国建设银行沈阳分行的个人住房贷款业务发展时间比其他银行早。因此在相关的行业里一直处于领先状态。但是任何事物都具有双面性，在个人住房贷款业务不断发展的同一时间不少问题也相继出现，例如假贷款等不良贷款的现象逐渐增多，与此同时，各大银行金融机构因其利益以及为了能够提高自身的市场竞争力，抢占市场份额，争相推出多元化的个人住房贷款业务相互之间的竞争外也越演越烈。从个人住房贷款业务看，中国建设银行在市场上的地位还没有坚固到不可撼动。在研究主体上，本文把其确定为中国建设银行沈阳分行。并且，围绕中国建设银行沈阳分行个人住房贷款业务展开研究工作，力求找出该业务中的种种不足。本文由五个部分组成，第一部分是本文的绪论部分：第二部分主要介绍个人住房贷款的定义，个人住房贷款的种类以及它们的特点：第三部分对中国建设银行沈阳分行的个人住房贷款业务发展具体情况简单说明，明确建设银行沈阳分行其自身住房贷款业务的种类以及其开展情况和具体的业务流程：第四部分对中国建设银行沈阳分行的个人住房贷款业务种种不足进一步探索，涉及到个人住房贷款业务种类多样化不足，面临的市场风险以及在贷款经营上存在的问题：第五部分就所提的个人住房贷款业务中的种种不足深入研究，提出了可行的对策。关键词：个人住房贷款业务：业务发展：贷款管理AbstractWith the continuous growth of my country's national economy,ordinary investmentmethods such as traditional savings and treasury bonds can no longer meet the needs of themajority of bank customers.As a result,the country has launched the personal housing loanbusiness,and China Construction Bank's characteristic business includes personal housingloan business.Personal housing loan business is currently an important business in bank loanbusiness.The development of the personal housing loan business of the Shenyang branch ofChina Construction Bank was earlier than that of other banks.Therefore,it has been in aleading state in related industries.However,everything has two sides.At the same time as thepersonal housing loan business continues to develop,many problems have also appeared oneafter another.For example,the phenomenon of non-performing loans such as fake loans hasgradually increased.In order to be able to improve their own market competitiveness andseize market share,they are vying to launch a diversified personal housing loan business,andthe competition among them has become increasingly fierce.From the perspective of personalhousing loan business,the position of China Construction Bank in the market has not beensolid enough to be unshakable.On the research subject,this paper defines it as Shenyang Branch of China ConstructionBank.In addition,the research work is carried out around the personal housing loan businessof Shenyang Branch of China Construction Bank,trying to find out various deficiencies inthis business.This paper consists of five parts,the first part is the introduction part of thispaper;The second part mainly introduces the definition,types and characteristics ofindividual housing loans.The third part briefly explains the specific development of personalhousing loan business of China Construction Bank Shenyang Branch,and clarifies the typesof its own housing loan business,its development and specific business processes;The fourthpart further explores the shortcomings of the personal housing loan business of ShenyangBranch of China Construction Bank,involving the lack of diversification of the types ofpersonal housing loan business,the market risks faced and the problems existing in the loanoperation;The fifth part makes an in-depth study of the shortcomings in the personal housingloan business and puts forward feasible countermeasuresKeywords:Personal Housing Loan Business;Business Development;Loan management