【摘要】：隨著我國房地產(chǎn)市場的發(fā)展，商業(yè)銀行開展個人住房貸款是以房產(chǎn)作為抵押物，由于當(dāng)前階段房價處于不停上漲的周期，個人住房貸款的不良率相對比較低，個人住房貸款也成為各家銀行競相爭奪的優(yōu)質(zhì)業(yè)務(wù)，因此有些貸款銀行放松了對個人住房貸款的風(fēng)險管理。美國的次貸危機(jī)就起源于銀行疏忽了防范個人住房貸款的風(fēng)險，導(dǎo)致其嚴(yán)重后果，，也向我國商業(yè)銀行發(fā)出了警示，必須及時加強(qiáng)對個人住房貸款的風(fēng)險管理，并提升銀行風(fēng)險管理的水平。因此，研究個人住房貸款風(fēng)險管理問題就具有很強(qiáng)的現(xiàn)實意義和應(yīng)用性。 本文以對商業(yè)銀行個人住房貸款風(fēng)險的影響因素研究為主線，在借鑒國內(nèi)外已有的研究成果基礎(chǔ)上，從個人住房貸款風(fēng)險成因的各個因素切入，從商業(yè)銀行風(fēng)險管理的視角，剖析了影響商業(yè)銀行個人住房貸款風(fēng)險的關(guān)鍵因素，以及這些因素導(dǎo)致違約風(fēng)險的作用機(jī)理。借鑒國外個人住房貸款的先進(jìn)經(jīng)驗，結(jié)合我國的實際情況，對商業(yè)銀行的個人住房貸款的風(fēng)險進(jìn)行了研究，并且運(yùn)用比較分析等技術(shù)手段對樣本的數(shù)據(jù)進(jìn)行分析實證，為我國商業(yè)銀行完善自身的風(fēng)險管理機(jī)制、建立個人信用體系，提出了構(gòu)想以及可行的建議與對策。
[Abstract]:With the development of the real estate market in China, commercial banks take real estate as collateral to carry out personal housing loans. Due to the rising housing prices in the current period, the bad rate of personal housing loans is relatively low. Personal housing lending has also become a competition among banks for quality business, so some lenders have loosened risk management for personal housing loans. The subprime mortgage crisis in the United States originated from the banks neglecting to guard against the risk of personal housing loans, which led to its serious consequences. It also issued a warning to our commercial banks that the risk management of personal housing loans must be strengthened in a timely manner. And raise the level of bank risk management. Therefore, the study of personal housing loan risk management has a strong practical significance and application. Based on the research of the influencing factors of commercial banks' personal housing loan risk, this paper draws lessons from the existing research results at home and abroad, cuts into the causes of individual housing loan risks, and from the perspective of commercial bank risk management. This paper analyzes the key factors affecting the risk of individual housing loan in commercial banks and the mechanism of these factors leading to default risk. Referring to the advanced experience of foreign individual housing loan and combining the actual situation of our country, this paper studies the risk of individual housing loan of commercial bank, and uses comparative analysis and other technical means to analyze the sample data. This paper puts forward some suggestions and countermeasures for Chinese commercial banks to perfect their own risk management mechanism and establish personal credit system.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.45

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