發(fā)布時(shí)間：2018-04-25 20:50

  本文選題：按揭貸款 + 風(fēng)險(xiǎn)控制　； 參考：《天津大學(xué)》2012年碩士論文

【摘要】：近年來，商業(yè)銀行的個(gè)人住房貸款業(yè)務(wù)突飛猛進(jìn)，但快速發(fā)展的背后風(fēng)險(xiǎn)度開始提高。有效地認(rèn)識(shí)商業(yè)銀行按揭貸款的各種風(fēng)險(xiǎn)以及風(fēng)險(xiǎn)成因，，有更利于控制按揭貸款的風(fēng)險(xiǎn)，并且使這項(xiàng)業(yè)務(wù)有利于購房者和市場供給者的需求關(guān)系，使個(gè)人按揭貸款有利于買房者需求，也有利于房市和國家經(jīng)濟(jì)的健康發(fā)展。有效地識(shí)別、控制個(gè)人住房貸款面臨的潛在風(fēng)險(xiǎn)，對(duì)于商業(yè)銀行的健康快速發(fā)展和保持金融系統(tǒng)的穩(wěn)定具有十分重大的意義。 本文介紹了個(gè)人按揭貸款的概念、按揭貸款的形式、流程和相關(guān)規(guī)定以及商業(yè)銀行按揭貸款的風(fēng)險(xiǎn)種類及控制方法。根據(jù)近幾年來政策，學(xué)術(shù)研究者的經(jīng)驗(yàn)理論以及銀行的數(shù)據(jù)統(tǒng)計(jì)、測試模型等，深入淺出地描述了按揭貸款的風(fēng)險(xiǎn)種類和有效控制方法。 文章從控制按揭貸款風(fēng)險(xiǎn)出發(fā)，引入了個(gè)體評(píng)估模型和風(fēng)險(xiǎn)預(yù)警模型的概念，并給出了優(yōu)化和修正此模型的方法，同時(shí)引入了動(dòng)作及動(dòng)作因子的概念，并試著用動(dòng)作及因子對(duì)來控制操作性風(fēng)險(xiǎn)，最后又加入一個(gè)風(fēng)險(xiǎn)預(yù)警的構(gòu)架控制，達(dá)到初始的設(shè)計(jì)要求；整個(gè)軟件架構(gòu)從個(gè)案出發(fā)，經(jīng)個(gè)體評(píng)估后進(jìn)入個(gè)體評(píng)估庫，供日后查詢，其評(píng)估結(jié)果作為動(dòng)作因子，匹配動(dòng)作因子庫中相應(yīng)的動(dòng)作；流程設(shè)計(jì)模塊負(fù)責(zé)設(shè)計(jì)業(yè)務(wù)處理流程，并作為流程控制模塊使用，流程控制模塊在每一操作過程中根據(jù)評(píng)估結(jié)果和操作匹配動(dòng)作因子庫中的動(dòng)作因子對(duì)，選擇下一步的流程；個(gè)體庫中的案例經(jīng)預(yù)警模塊的分析整理，如觸發(fā)預(yù)警事件則發(fā)出警告信號(hào)給決策模塊，由決策模塊根據(jù)決策庫中的相應(yīng)處置方案處置；最后經(jīng)過案例分析，佐證了此軟件架構(gòu)及模型的合理性。
[Abstract]:In recent years, the commercial bank's personal housing loan business has developed by leaps and bounds, but the risk degree behind the rapid development has begun to increase. Effectively understand the various risks and risk causes of commercial banks' mortgage loans, have more conducive to control the risks of mortgage loans, and make this business conducive to the demand relationship between home buyers and market providers. Personal mortgage loans are conducive to the demand of buyers and the healthy development of the housing market and the national economy. It is of great significance to identify and control the potential risks faced by individual housing loans for the healthy and rapid development of commercial banks and to maintain the stability of the financial system. This paper introduces the concept of personal mortgage loan, the form of mortgage loan, the flow and related regulations, and the risk types and control methods of commercial bank mortgage loan. According to the policies of recent years, the empirical theory of academic researchers, the statistics of banks and the test models, this paper describes the types of risks and effective control methods of mortgage loans. In this paper, the concepts of individual assessment model and risk warning model are introduced in order to control the risk of mortgage loan, and the methods of optimizing and modifying the model are given, and the concepts of action and action factor are also introduced. And try to use action and factor pairs to control the operational risk, and finally add a risk early warning framework control to meet the initial design requirements; the entire software architecture from individual cases, after individual assessment into the individual assessment database, The evaluation results are used as action factors, matching the corresponding actions in the action factor database, and the process design module is responsible for designing the business process and using it as the process control module. Process control module in each operation process according to the evaluation results and operation matching action factor database action factor pairs, select the next step of the process; individual database cases through the early warning module analysis, If a warning event is triggered, a warning signal is sent to the decision-making module, which is disposed by the decision module according to the corresponding disposal scheme in the decision base. Finally, the rationality of the software architecture and model is proved by the case study.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：O211.67;F832.4

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