本文選題：地產(chǎn)信貸項(xiàng)目　切入點(diǎn)：風(fēng)險(xiǎn)評估　出處：《東北大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：貸款是商業(yè)銀行最重要的資產(chǎn),通常占全部資產(chǎn)的60%以上,是為客戶提供最重要的業(yè)務(wù)之一,是為商業(yè)銀行帶來最大利潤的業(yè)務(wù),也是風(fēng)險(xiǎn)最大的業(yè)務(wù)之一。商業(yè)銀行進(jìn)行貸款業(yè)務(wù)時(shí),對貸款流程的每個(gè)環(huán)節(jié)都要做到安全。信貸項(xiàng)目的風(fēng)險(xiǎn)評估是保障商業(yè)銀行的收益和信譽(yù)進(jìn)而保障公眾存款利益的一個(gè)重要的不可或缺的手段。國務(wù)院發(fā)布《關(guān)于進(jìn)一步深化城鎮(zhèn)住房制度改革加快住房建設(shè)的通知》以后,房地產(chǎn)行業(yè)成為國民經(jīng)濟(jì)中不可或缺的支柱性產(chǎn)業(yè)。各方投資者都對房地產(chǎn)行業(yè)進(jìn)行大量投入,房地產(chǎn)貸款業(yè)務(wù)也因此成為我國金融業(yè)的重要授信業(yè)務(wù)之一。然而,當(dāng)前房地產(chǎn)貸款業(yè)務(wù)投放規(guī)模的擴(kuò)大化、開辦時(shí)間的延伸,高負(fù)債經(jīng)營的地產(chǎn)企業(yè)信用等級不斷降低,風(fēng)險(xiǎn)隨之加大,地產(chǎn)貸款也進(jìn)入了國際公認(rèn)的信用風(fēng)險(xiǎn)高發(fā)期。如何防范我國商業(yè)銀行房地產(chǎn)貸款的風(fēng)險(xiǎn)已是亟待解決的重要問題,嚴(yán)重影響我國銀行體系的穩(wěn)定和國民經(jīng)濟(jì)的發(fā)展。 本文在分析中行沈陽中山支行信貸項(xiàng)目特別是地產(chǎn)項(xiàng)目風(fēng)險(xiǎn)評估方法改進(jìn)的必要性和可行性的基礎(chǔ)上,對中行沈陽中山支行信貸項(xiàng)目特別是地產(chǎn)項(xiàng)目風(fēng)險(xiǎn)評估方法現(xiàn)存問題進(jìn)行全面剖析,引進(jìn)并給出中行沈陽中山支行地產(chǎn)信貸項(xiàng)目風(fēng)險(xiǎn)評估手段——風(fēng)險(xiǎn)矩陣方法。設(shè)計(jì)中行沈陽中山支行地產(chǎn)信貸項(xiàng)目風(fēng)險(xiǎn)評估方法,考慮到中行沈陽中山支行地產(chǎn)信貸項(xiàng)目風(fēng)險(xiǎn)評估方法涉及的內(nèi)容比較廣泛,部門繁雜,人員較多等因素,給出中行沈陽中山支行地產(chǎn)信貸項(xiàng)目風(fēng)險(xiǎn)評估方法體系實(shí)施的條件、辦法及配套制度,以期解決中行沈陽中山支行信貸項(xiàng)目特別是地產(chǎn)項(xiàng)目風(fēng)險(xiǎn)評估方法現(xiàn)代化的建設(shè)和實(shí)施問題,使得巴塞爾的預(yù)期損失模型得到有效運(yùn)用。 通過研究中行沈陽中山支行信貸項(xiàng)目特別是地產(chǎn)項(xiàng)目風(fēng)險(xiǎn)評估方法,為中行建立符合現(xiàn)代商業(yè)銀行要求的經(jīng)營管理體制戰(zhàn)略目標(biāo)的順利實(shí)施提供有力保障,也為國內(nèi)其他商業(yè)銀行信貸項(xiàng)目風(fēng)險(xiǎn)評估方法改進(jìn)提供新思路。
[Abstract]:Loans are the most important assets of commercial banks, which usually account for more than 60% of the total assets. It is one of the most important businesses to provide customers with the most profits for commercial banks. It is also one of the riskiest businesses. When commercial banks make loans, The risk assessment of credit projects is an important and indispensable means to protect the profits and reputation of commercial banks and then to protect the public deposit interests. After further deepening the reform of urban housing system and speeding up housing construction, The real estate industry has become an indispensable pillar industry in the national economy. Investors from all sides have invested a lot in the real estate industry, so the real estate loan business has become one of the important credit business in the financial industry of our country. However, With the expansion of the scale of the real estate loan business and the extension of the start-up time, the credit rating of the highly indebted real estate enterprises has been continuously reduced, and the risks have increased. Real estate loan has also entered the period of high credit risk which is recognized internationally. How to prevent the risk of real estate loan from commercial banks in our country is an important problem to be solved which seriously affects the stability of our banking system and the development of national economy. Based on the analysis of the necessity and feasibility of the improvement of the risk assessment method of the Bank of China's Shenyang Zhongshan Branch credit project, especially the real estate project, This paper makes a comprehensive analysis of the existing problems in the credit projects of Bank of China Shenyang Zhongshan Branch Bank, especially the risk assessment methods of real estate projects. The risk matrix method of real estate credit project risk assessment of Shenyang Zhongshan Branch of Bank of China is introduced and given, and the risk assessment method of real estate credit project of Shenyang Zhongshan Branch of Bank of China is designed. Considering that the risk assessment method of real estate credit project of Shenyang Zhongshan Branch of Bank of China involves a wide range of contents, complicated departments and many personnel, the conditions for the implementation of the risk assessment method system of real estate credit project of Shenyang Zhongshan Branch of Bank of China are given. In order to solve the problem of the construction and implementation of the credit project of Zhongshan Branch of Bank of China Shenyang Zhongshan Branch especially the risk assessment method of real estate project the expected loss model of Basel can be used effectively. By studying the credit project of Zhongshan Branch of Bank of China Shenyang, especially the risk assessment method of real estate project, this paper provides an effective guarantee for the successful implementation of the strategic goal of establishing a management system that conforms to the requirements of modern commercial banks. It also provides new ideas for the improvement of credit project risk assessment methods of other domestic commercial banks.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F299.23;F832.4

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