本文關(guān)鍵詞： 房地產(chǎn)項目貸款 貸款風(fēng)險 風(fēng)險管理　出處：《河北工業(yè)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：房地產(chǎn)項目貸款作為一種處于發(fā)展初期，并且有待完善的融資方式，其風(fēng)險將是多種多樣的。如何加強風(fēng)險管理的問題，特別是針對我國商業(yè)銀行如何進行風(fēng)險管理的問題，至今還沒有得到很好的解決。本文以建設(shè)銀行為例，研究了我國商業(yè)銀行對房地產(chǎn)項目貸款風(fēng)險管理的一些具體流程和措施，分析了我國商業(yè)銀行在房地產(chǎn)項目貸款風(fēng)險管理中的問題，并提出相應(yīng)的改進對策。 本文總共分為六個部分： 第1章：引言。明確選題研究的目的及意義，歸納總結(jié)國內(nèi)國外房地產(chǎn)項目貸款的理論文獻綜述。 第2章：房地產(chǎn)項目貸款風(fēng)險管理的研究現(xiàn)狀。是本論文的理論基礎(chǔ)，，闡述了房地產(chǎn)項目貸款的主要風(fēng)險，介紹了國內(nèi)商業(yè)銀行房地產(chǎn)貸款風(fēng)險管理現(xiàn)狀，并從美國房地產(chǎn)貸款風(fēng)險管理方式中吸取了一些經(jīng)驗教訓(xùn)。 第3章：A公司房地產(chǎn)貸款項目風(fēng)險識別。介紹了項目背景以及建設(shè)銀行對該項目的貸款流程，并從貸前及貸后兩個方面對該項目的貸款風(fēng)險進行了分析。 第4章：A公司房地產(chǎn)項目貸款風(fēng)險評估。從貸前和貸后兩個方面，定性、定量的對該項目的貸款風(fēng)險進行了評估。 第5章：A公司房地產(chǎn)項目貸款風(fēng)險應(yīng)對。從項目貸款風(fēng)險的貸前控制、貸后控制兩個方面分析了風(fēng)險應(yīng)對的措施。 第6章：研究結(jié)論和展望。
[Abstract]:As a kind of financing way that is in the early stage of development , and needs to be perfected , the risk of the real estate project loan is diversified . How to strengthen the risk management , especially the problem of how to carry out the risk management of commercial banks in our country , has not been solved well . In this paper , taking the construction bank as an example , this paper studies the problems of the commercial banks in the loan risk management of real estate projects , and puts forward corresponding improvement measures . This article is divided into six parts : Chapter 1 : Introduction . The purpose and significance of the study of the topic selection are summarized , and the theoretical literature review of the domestic foreign real estate project loan is summarized . Chapter 2 : The current situation of loan risk management in real estate project . It is the theoretical basis of this paper , expounds the main risk of real estate project loan , introduces the present situation of real estate loan risk management in domestic commercial banks , and draws some lessons from the way of risk management of real estate loan . Chapter 3 : A company ' s real estate loan project risk identification . The background of the project and the loan process of the construction bank to the project are introduced , and the loan risk of the project is analyzed both before and after the loan . Chapter 4 : A company real estate project loan risk assessment . The loan risk of the project is evaluated qualitatively and quantitatively from two aspects : pre - loan and post - loan . Chapter 5 : A Company ' s Real Estate Project Loan Risk Management . The measures to deal with the risk should be analyzed in terms of pre - loan control and post - loan control of loan risk of the project . Chapter 6 : Research conclusions and prospects .

【學(xué)位授予單位】：河北工業(yè)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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