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

【摘要】：從1998年住房體制改革至今，，我國(guó)的商品房產(chǎn)業(yè)已經(jīng)逐漸發(fā)展成了國(guó)民經(jīng)濟(jì)的支柱產(chǎn)業(yè)之一，在其帶動(dòng)之下，個(gè)人住房按揭貸款業(yè)務(wù)也迅速發(fā)展。近年來，個(gè)人住房按揭貸款占商業(yè)銀行貸款總額的比重也不斷提高。國(guó)際公認(rèn)個(gè)人住房按揭貸款違約風(fēng)險(xiǎn)高發(fā)期為貸款后5—8年，因此，我國(guó)目前正處于個(gè)人住房按揭貸款違約的高發(fā)階段，加之房地產(chǎn)開發(fā)企業(yè)融資渠道狹窄、部分地區(qū)房?jī)r(jià)上漲過快、銀行短存長(zhǎng)貸、法律保障體制不完善、抵質(zhì)押物處置困難等問題，使得我國(guó)個(gè)人住房按揭貸款的風(fēng)險(xiǎn)正在逐步顯現(xiàn)。而這些風(fēng)險(xiǎn)將首先影響銀行的資金安全，甚至?xí)䲠_亂整個(gè)國(guó)民經(jīng)濟(jì)安全運(yùn)行體系。基于此，本文試圖通過對(duì)個(gè)人住房按揭貸款中與銀行呈現(xiàn)三角關(guān)系的貸款人和開發(fā)商風(fēng)險(xiǎn)進(jìn)行分析，從中發(fā)現(xiàn)問題，并針對(duì)銀行業(yè)提出一些風(fēng)險(xiǎn)防范措施。 與發(fā)達(dá)國(guó)家相比，我國(guó)關(guān)于個(gè)人住房貸款風(fēng)險(xiǎn)控制的研究發(fā)展較為緩慢，理論基礎(chǔ)較薄弱，且多數(shù)集中在從銀行的角度，按照內(nèi)部操作流程、借款人還款能力評(píng)估和抵押物處置等方面進(jìn)行分析，分析的范圍比較狹窄，具有實(shí)際操作性的風(fēng)險(xiǎn)評(píng)價(jià)模型較少。本文增加了對(duì)房地產(chǎn)開發(fā)商風(fēng)險(xiǎn)的分析，拓寬了分析層面，使對(duì)我國(guó)個(gè)人住房按揭貸款風(fēng)險(xiǎn)的分析更加全面，并在此基礎(chǔ)上建立了貸前調(diào)查階段銀行評(píng)價(jià)開發(fā)商及借款人風(fēng)險(xiǎn)評(píng)價(jià)的模型，提出了風(fēng)險(xiǎn)防范措施，為我國(guó)商業(yè)銀行個(gè)人住房按揭貸款風(fēng)險(xiǎn)研究拓寬思路，促進(jìn)風(fēng)險(xiǎn)防控理論的發(fā)展。 目前，單一關(guān)注與銀行直接發(fā)生信貸關(guān)系的借款人風(fēng)險(xiǎn)已經(jīng)不能全面控制個(gè)人住房按揭貸款風(fēng)險(xiǎn)，與銀行具有合作關(guān)系與貸款人具有買賣關(guān)系的房地產(chǎn)開發(fā)商風(fēng)險(xiǎn)已經(jīng)逐漸顯現(xiàn)，也應(yīng)當(dāng)引起銀行的重點(diǎn)關(guān)注。通過本次研究，將對(duì)借款人及開發(fā)商兩方面的風(fēng)險(xiǎn)進(jìn)行分析，試圖建立起一套更完善的個(gè)人住房按揭貸款風(fēng)險(xiǎn)評(píng)價(jià)體系，從而更全面的控制貸款風(fēng)險(xiǎn)，降低個(gè)人住房按揭貸款不良貸款率，保證銀行信貸資金安全，為銀行的個(gè)人住房按揭貸款風(fēng)險(xiǎn)評(píng)價(jià)和控制體系提供一些有益借鑒。
[Abstract]:Since the reform of housing system in 1998, the commercial housing industry in China has gradually developed into one of the pillar industries of the national economy. In recent years, the proportion of personal housing mortgage loans to the total loans of commercial banks is also increasing. The internationally recognized period of default risk of individual housing mortgage loan is 5-8 years after loan. Therefore, our country is in the high risk stage of individual housing mortgage loan default at present, and the financing channel of real estate development enterprise is narrow. Some problems such as excessive rise in house prices, short deposits and long loans in banks, imperfect legal security system, and difficulties in disposing of pledge make the risks of personal housing mortgage loans in our country gradually appear. These risks will affect the bank's capital security first and even disrupt the whole national economy's safe operation system. Based on this, this paper attempts to analyze the risk of lenders and developers who have triangular relationship with banks in personal housing mortgage loans, and find out the problems, and put forward some risk prevention measures for the banking industry. Compared with the developed countries, the research on the risk control of personal housing loan in China is relatively slow, the theoretical basis is relatively weak, and most of them are concentrated from the perspective of the bank, according to the internal operation process. The scope of the analysis is narrow, and the practical operational risk evaluation model is less. This paper increases the risk analysis of real estate developers, broadens the level of analysis, and makes the risk analysis of individual housing mortgage loans more comprehensive. On the basis of this, the paper establishes the risk evaluation model of bank evaluation of developers and borrowers in the stage of pre-loan investigation, and puts forward the risk prevention measures, which will broaden the thinking for the study of individual housing mortgage loan risk of commercial banks in China. To promote the development of risk prevention and control theory. At present, the single focus on the risk of borrowers who have a direct credit relationship with banks can no longer fully control the risk of individual housing mortgage loans. The risk of real estate developers who have cooperative relationship with banks and lenders with trading relationship has gradually appeared, which should also attract the attention of banks. Through this research, will carry on the analysis to the borrower and the developer two aspects risk, attempts to establish a set of perfect individual housing mortgage loan risk appraisal system, thus more comprehensively controls the loan risk, To reduce the non-performing loan rate of personal housing mortgage loan, to ensure the security of bank credit funds, and to provide some useful reference for the risk evaluation and control system of individual housing mortgage loan.
【學(xué)位授予單位】：西華大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4

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