随着国家宏观调控政策的进一步加强和改善，以及国有商业银行股份制改造工作的逐步深入，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。而商业银行的个人住房贷款的风险主要表现为信用风险。本文从商业银行个人住房贷款信用风险的表现、成因、防范对策等方面对该问题进行了详细的分析和阐述，希望能对防范和化解商业银行个人住房贷款的信用风险有一些启发和借鉴作用。

Economic adjustment through macro-controls and other policy measures have shown credible results in recent years, and structural adjustment and enhancement have progressed rapidly. In particular, the transformation of the shareholding system of state-run commercial banks has gradually deepened. However, this process also raises the question of risks attached to personal housing mortgages within such institutions, and closer attention is being paid to such concerns. Personal mortgages on commercial banks’ balance sheets are mainly associated with credit risks. This text conducts a detailed analysis of the issue through the exploration of various avenues, such as behavioral causes, origins of formation and preventive measures to hedge against default risks on mortgages approved by commercial banks etc. This study hopes to present a clarified situation report and in doing so, advise on necessary precautionary measures to avoid any large-scale fallout in the wider mortgage market.