本文關(guān)鍵詞： 貸款項目 風(fēng)險管理 風(fēng)險識別 風(fēng)險評估 風(fēng)險應(yīng)對　出處：《哈爾濱工程大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：兩權(quán)分離、按期償還的信貸資產(chǎn)運動在現(xiàn)實生活中，，會受到宏觀政策、自然條件、經(jīng)濟發(fā)展狀況以及人為的種種事先無法預(yù)料的不確定性因素的影響，致使信貸到期不能按時收回本金和利息導(dǎo)致信貸資產(chǎn)的貶值。房地產(chǎn)貸款引因其數(shù)額巨大，影響因素更為復(fù)雜而致使銀行的信貸風(fēng)險更大。近幾年我國宏觀對房地產(chǎn)進行調(diào)控，加之前期積累的房地產(chǎn)泡沫現(xiàn)象，導(dǎo)致房地產(chǎn)業(yè)更大的不確定性，尤其加大了房地產(chǎn)信貸風(fēng)險。在此背景下，如何有效地化解信貸風(fēng)險，成為廣大金融工作者急待研究的一個迫切的現(xiàn)實問題。 本文首先分析了房地產(chǎn)貸款項目是銀行很大的風(fēng)險源，對其進行風(fēng)險管理研究對于銀行有重大意義，然后對國內(nèi)外項目風(fēng)險管理理論的研究現(xiàn)狀作了歸納和總結(jié)，在此基礎(chǔ)上針對家豪置業(yè)有限公司5000萬元貸款項目展開風(fēng)險管理研究，論文在介紹貸款企業(yè)基本情況、貸款項目具體情況的基礎(chǔ)上，遵循項目風(fēng)險識別→風(fēng)險分析與評價→風(fēng)險應(yīng)對的風(fēng)險管理流程對該貸款項目的借款人風(fēng)險、項目建設(shè)風(fēng)險、項目市場風(fēng)險、項目償債風(fēng)險分別進行了研究，在對房地產(chǎn)貸款項目風(fēng)險成因、風(fēng)險特點及風(fēng)險界定的基礎(chǔ)上對家豪置業(yè)有限公司5000萬貸款項目構(gòu)建了風(fēng)險評價體系，并根據(jù)該項目可行性研究報告和銀行實際調(diào)查結(jié)果估算了各種風(fēng)險值，并對該貸款項目的風(fēng)險進行了級別界定，針對風(fēng)險程度分別制定了針對四類風(fēng)險的實效性強的應(yīng)對措施。
[Abstract]:The movement of credit assets that are separated and repaid on time will be affected by macro policies, natural conditions, economic development and artificial uncertainties that cannot be expected in advance in real life. As a result of the failure to recover the principal and interest due to the maturity of the credit, the depreciation of the credit assets. Real estate loans lead to a greater credit risk for the banks because of its huge amount and more complicated influencing factors. In recent years, China has carried out macro regulation and control on real estate. Combined with the accumulation of real estate bubble phenomenon, leading to greater uncertainty in the real estate industry, especially increasing the real estate credit risk. In this context, how to effectively resolve the credit risk, It has become an urgent and realistic problem for the majority of financial workers to study. This paper first analyzes that real estate loan project is a great source of risk for banks, and it has great significance for banks to study risk management, and then summarizes the current research situation of project risk management theory at home and abroad. On this basis, the risk management research is carried out for the 50 million yuan loan project of Jiahao Real Estate Co., Ltd. The paper introduces the basic situation of the loan enterprise and the specific situation of the loan project, and follows the project risk identification. 鈫扲isk analysis and evaluation. 鈫扵he risk management process of the risk management has studied the borrower risk, the project construction risk, the project market risk and the project debt repayment risk of the loan project, respectively. On the basis of risk characteristics and risk definition, a risk evaluation system is constructed for the 50 million loan project of Jiahao Real Estate Co., Ltd., and various risk values are estimated according to the feasibility study report of the project and the actual survey results of the bank. The risk of the loan project is defined and the effective measures for the four types of risk are developed.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.45

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