本文關(guān)鍵詞：H銀行山東省分行個(gè)人住房貸款業(yè)務(wù)風(fēng)險(xiǎn)管理研究　出處：《山東大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 個(gè)人住房貸款 風(fēng)險(xiǎn)管理 風(fēng)險(xiǎn)識(shí)別 風(fēng)險(xiǎn)評(píng)估 防范措施

【摘要】：近幾年以來,隨著國民經(jīng)濟(jì)不斷發(fā)展,房地產(chǎn)市場發(fā)展火爆,房屋貸款需求也隨之不斷增加。1997年-2014年,僅僅七年時(shí)間我國主要金融機(jī)構(gòu)個(gè)人住房貸款余額增加了 105.8萬億元,但與此同時(shí),住房貸款風(fēng)險(xiǎn)暴露水平也在與日俱增。面對(duì)不斷擴(kuò)大的風(fēng)險(xiǎn),我國商業(yè)銀行防范風(fēng)險(xiǎn)和化解不良貸款的經(jīng)驗(yàn)和能力不足,多地銀行只能暫時(shí)通過停辦業(yè)務(wù)而慢慢化解,很多銀行雖然掌握著抵押物但不知如何降低不良貸款的數(shù)量,從原先的貸款人變成了"房東"。本文通過對(duì)H銀行山東省分行個(gè)人住房貸款業(yè)務(wù)的風(fēng)險(xiǎn)分析,對(duì)個(gè)人住房貸款業(yè)務(wù)的風(fēng)險(xiǎn)識(shí)別、評(píng)估、管理和控制進(jìn)行了分析研究,并對(duì)該業(yè)務(wù)風(fēng)險(xiǎn)管理的防控提出有效建議。全文共分為七章:第一章主要介紹了本文的研究背景,研究意義和研究過程,對(duì)國內(nèi)外研究現(xiàn)狀及研究成果進(jìn)行了闡述;第二章對(duì)個(gè)人住房貸款業(yè)務(wù)、風(fēng)險(xiǎn)分類和風(fēng)險(xiǎn)管理等基本概念、方法進(jìn)行介紹;第三章介紹了H銀行山東省分行個(gè)人住房貸款業(yè)務(wù)風(fēng)險(xiǎn)管理現(xiàn)狀,包括目前該銀行風(fēng)險(xiǎn)暴露情況以及針對(duì)風(fēng)險(xiǎn)采取的相關(guān)措施和仍存在的不足之處;第四章介紹了 H銀行山東省分行個(gè)人住房貸款業(yè)務(wù)風(fēng)險(xiǎn)成因與識(shí)別,從合作機(jī)構(gòu)、借款人、抵押物和銀行管理等四個(gè)方面分析了風(fēng)險(xiǎn)產(chǎn)生的原因,提出現(xiàn)行識(shí)別風(fēng)險(xiǎn)的五個(gè)指標(biāo);第五章對(duì)H銀行山東省分行個(gè)人住房貸款業(yè)務(wù)風(fēng)險(xiǎn)的評(píng)估進(jìn)行了研究,分別使用壓力測試模型和Logit模型對(duì)個(gè)人住房貸款內(nèi)外部風(fēng)險(xiǎn)因素進(jìn)行評(píng)估,并對(duì)模型結(jié)果進(jìn)行了應(yīng)用;第六章對(duì)H銀行山東省分行個(gè)人住房貸款業(yè)務(wù)的風(fēng)險(xiǎn)管理提出了改進(jìn)措施,包括對(duì)借款人、合作機(jī)構(gòu)、銀行內(nèi)部等各方面進(jìn)行探討;第七章對(duì)全文進(jìn)行了總結(jié)。本文的主要結(jié)論有:H銀行山東省分行依托自身的業(yè)務(wù)優(yōu)勢、資金規(guī)模優(yōu)勢占據(jù)了山東省個(gè)人住房貸款業(yè)務(wù)市場的半壁江山,業(yè)務(wù)規(guī)模增長迅速,但與其對(duì)應(yīng)的風(fēng)險(xiǎn)管理有待加強(qiáng)。H銀行山東省分行個(gè)人住房貸款業(yè)務(wù)面臨多因素的風(fēng)險(xiǎn)影響,一方面是外部風(fēng)險(xiǎn)因素的影響,包括合作機(jī)構(gòu)、借款人自身、抵押物等方面風(fēng)險(xiǎn)突出,影響著業(yè)務(wù)健康發(fā)展;另一方面銀行內(nèi)部制度的不完善和人員素質(zhì)參差不齊,也使該業(yè)務(wù)風(fēng)險(xiǎn)頻發(fā)。為了促進(jìn)個(gè)人住房貸款業(yè)務(wù)的持續(xù)健康發(fā)展,H銀行山東省分行應(yīng)完善風(fēng)險(xiǎn)管理的防范措施,首先是從借款人資料真實(shí)性、信用狀況、優(yōu)化系統(tǒng)評(píng)價(jià)等方面加強(qiáng)對(duì)借款人的風(fēng)險(xiǎn)管理;其次是加強(qiáng)對(duì)合作機(jī)構(gòu)的管理,包括中介機(jī)構(gòu)準(zhǔn)入和房地產(chǎn)開發(fā)商的監(jiān)管;第三要加強(qiáng)銀行內(nèi)部管理,通過強(qiáng)化信貸人員業(yè)務(wù)能力和素質(zhì)、優(yōu)化崗位設(shè)置、完善監(jiān)測系統(tǒng)開發(fā)、強(qiáng)化貸后管理等多途徑完善風(fēng)險(xiǎn)防控體系。
[Abstract]:In recent years, with the continuous development of the national economy, the development of the real estate market is booming, and the demand for housing loans is increasing. In 1997 -2014, in just seven years, the balance of personal housing loans increased by 105 trillion and 800 billion yuan, but at the same time, the risk exposure level of housing loans is also increasing. In the face of increasing risk, China's commercial banks to resolve non-performing loans and risk prevention experience and ability is insufficient, many banks only temporarily closed by business and gradually, although many banks hold mortgages but I do not know how to reduce the number of non-performing loans from the original lender, has become a "landlord". Based on the risk analysis of personal housing loan business of H bank Shandong branch, this paper analyzes the risk identification, evaluation, management and control of personal housing loan business, and puts forward effective suggestions for the prevention and control of the business risk management. This paper is divided into seven chapters: the first chapter mainly introduces the research background, research significance and research process of domestic and foreign research results and research status are expounded; the second chapter introduces the individual housing loan business, risk classification and risk management concepts and methods; the third chapter introduces the current situation of individual housing loans business risk management of H Bank branch in Shandong Province, including the bank risk exposures and related measures for risk taking and there are still deficiencies; the fourth chapter introduces the origin and identification of individual housing loan business risk H Bank branch in Shandong Province, analyzes the causes of risk from the four aspects of cooperation mechanism, the borrower and mortgage and the bank management, five indexes of the existing risk identification; the fifth chapter assessment of Shandong branch of H Bank of individual housing loan business risk The study, were used to pressure test and Logit model to evaluate the internal and external risk factors of individual housing loans, and the results of the model application; the sixth chapter on the risk management of H bank Shandong branch of individual housing loan business improvement measures are put forward, including the discussion of all aspects of the borrower, cooperation mechanism, internal bank etc.; the seventh chapter summarizes the whole dissertation. The main conclusions of this paper are as follows: H bank Shandong branch has occupied half of Shandong's housing loan business market relying on its own business advantages and capital scale advantages. Its business scale is growing rapidly, but its corresponding risk management needs to be strengthened. H Shandong branch of the Bank of individual housing loan business risk factors. One is the influence of external factors, including the cooperation mechanism, the borrower, mortgage and other aspects the outstanding risk affects the healthy development of the business; on the other hand, uneven internal bank system is not perfect and the quality of personnel, but also to the business risk frequent. In order to promote the individual housing loan business of the sustained and healthy development of the Shandong branch of H bank should improve the risk management measures, the first is to strengthen the risk management of the borrower from the borrower information authenticity, credit status, optimization system of evaluation; second is to strengthen the cooperation mechanism of management, including real estate developers and intermediaries access regulation; third must strengthen the internal management of the bank, by strengthening the credit personnel ability and quality, optimize the post setting, improve the monitoring system development, strengthen Daihouguanli and other ways to improve the risk prevention and control system.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F299.23;F832.479

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