本文關(guān)鍵詞：C銀行N支行住房按揭貸款風(fēng)險控制研究　出處：《安徽大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：長久以來,由于有房屋作為抵押擔(dān)保,房地產(chǎn)貸款一度被認(rèn)為是風(fēng)險極小的貸款,然而近些年來,我國的房產(chǎn)交易市場火爆,房價也一路飄升,同時,在相關(guān)房貸利率政策的引導(dǎo)下,商業(yè)銀行也無形中促進(jìn)了房地產(chǎn)業(yè)的發(fā)展。迅速增高的房價吸引了越來越多的投資客來購買房屋,房貸的數(shù)量占了銀行貸款的大半部分,這使得一部分市場風(fēng)險和房產(chǎn)泡沫風(fēng)險轉(zhuǎn)嫁給了銀行。因此,商業(yè)銀行在當(dāng)前的經(jīng)濟(jì)形勢下,對房貸的風(fēng)險把控必須要有新的認(rèn)識,新的措施,有效的防范房地產(chǎn)貸款的風(fēng)險不僅僅是關(guān)乎到商業(yè)銀行自身利益,更加關(guān)乎到中國經(jīng)濟(jì)的健康持續(xù)發(fā)展。本文對于住房按揭貸款風(fēng)險管理的研究不僅僅在理論層面,更具體到C銀行N支行的實(shí)踐層面,對于在當(dāng)前房貸形勢下該銀行的風(fēng)險管理具有實(shí)際意義,同時,也可以推廣到同行業(yè)的其他商業(yè)銀行,使得當(dāng)前形勢下的住房按揭貸款所帶來的潛在風(fēng)險得到有效控制。本文以對于個人住房貸款風(fēng)險管理的研究是基于C銀行N支行實(shí)際業(yè)務(wù)的基礎(chǔ)上的,主要是通過理論分析,歸納總結(jié)C銀行N支行在住房按揭貸款風(fēng)險管理方面存在的問題,分析問題產(chǎn)生的原因,并提出適合C銀行N支行的風(fēng)險管理改進(jìn)建議,提高整個支行在該項(xiàng)業(yè)務(wù)上的風(fēng)險把控能力。住房按揭貸款的風(fēng)險點(diǎn)有很多,本文重點(diǎn)分析了該業(yè)務(wù)中容易出現(xiàn)風(fēng)險的重點(diǎn)環(huán)節(jié),結(jié)合實(shí)際案例分析問題,本文還創(chuàng)新建議C銀行N支行應(yīng)當(dāng)與其他同業(yè)的銀行組成同業(yè)風(fēng)險管理聯(lián)盟,使行業(yè)內(nèi)對于銀行的住房按揭貸款風(fēng)險管理有一個相對統(tǒng)一的標(biāo)準(zhǔn)。同時本文在分析C銀行N支行的住房按揭貸款業(yè)務(wù)的風(fēng)險產(chǎn)生的原因時加入了實(shí)際案例,并且針對C銀行N支行在住房按揭貸款業(yè)務(wù)上存在的一些問題,提出了最新的改進(jìn)的措施和建議,可以提高本行的住房貸款風(fēng)險管理水平,在當(dāng)前國內(nèi)房地產(chǎn)市場火爆發(fā)展和國家宏觀政策調(diào)控共存的新形勢下,有一定的時效性和借鑒意義。
[Abstract]:For a long time, as a result of housing as collateral, real estate loans were once considered to be very small risk loans. However, in recent years, the real estate market in China has been booming, housing prices have also gone up all the way, at the same time. Under the guidance of the related mortgage interest rate policy, commercial banks also promote the development of the real estate industry. The rapidly rising house prices attract more and more investors to buy houses. The amount of housing loans accounts for a large part of bank loans, which makes some of the market risk and property bubble risk passed on to the banks. Therefore, commercial banks in the current economic situation. The risk control of housing loans must have a new understanding, new measures, effective prevention of real estate loans risk is not only related to the interests of commercial banks themselves. It is more related to the healthy and sustainable development of Chinese economy. The research on the risk management of housing mortgage loan in this paper is not only on the theoretical level, but also on the practical level of C Bank N Branch. It has practical significance for the risk management of the bank under the current housing loan situation, but also can be extended to other commercial banks in the same industry. Make the current situation of housing mortgage loans brought by the potential risk to be effectively controlled. This paper is based on the personal housing loan risk management based on the C Bank N branch of the actual business foundation. Mainly through the theoretical analysis, summarized the C Bank N Branch in housing mortgage loan risk management problems, analysis of the causes of the problem, and put forward appropriate C Bank N Branch risk management improvement recommendations. Improve the risk control ability of the whole branch in this business. There are a lot of risk points of housing mortgage loan. This paper focuses on the analysis of the key link of risk in the business, combined with the actual case analysis of the problem. This paper also proposes that C Bank N Branch should form an interbank risk management alliance with other interbank banks. So that there is a relatively uniform standard for housing mortgage risk management in the industry. At the same time, this paper adds an actual case to analyze the causes of the risk of housing mortgage loan business of C Bank N Branch. And in view of the C Bank N Branch in the housing mortgage loan business problems, put forward the latest improvement measures and suggestions, can improve the bank's housing loan risk management level. Under the new situation of the hot development of the domestic real estate market and the coexistence of the national macro-policy regulation and control, there is a certain timeliness and reference significance.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F299.23;F832.479

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