本文關(guān)鍵詞：商業(yè)銀行房地產(chǎn)抵押貸款風(fēng)險(xiǎn)防范研究　出處：《內(nèi)蒙古大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：房地產(chǎn)抵押貸款,因?yàn)槠湎鄬?duì)來(lái)說(shuō)風(fēng)險(xiǎn)較低,故而在我國(guó)銀行業(yè)開(kāi)展極為廣泛。以房地產(chǎn)作為抵押物對(duì)于商業(yè)銀行信貸業(yè)務(wù)的管理、貸款風(fēng)險(xiǎn)的防控,還有信貸資產(chǎn)的保全起到了不可否認(rèn)的積極作用,然而,隨著近些年以來(lái)房地產(chǎn)價(jià)格的不斷上漲,國(guó)家調(diào)控政策的陸續(xù)出臺(tái),再加上我國(guó)社會(huì)整體信用環(huán)境欠佳、相關(guān)法律法規(guī)亟需完善、金融產(chǎn)品不甚豐富、風(fēng)險(xiǎn)管理經(jīng)驗(yàn)欠缺還有各家商業(yè)銀行間為了爭(zhēng)奪業(yè)務(wù)而導(dǎo)致的惡性競(jìng)爭(zhēng)等一系列原因,使得房地產(chǎn)抵押貸款的風(fēng)險(xiǎn)不容忽視。房地產(chǎn)抵押貸款的風(fēng)險(xiǎn)影響的不單單是商業(yè)銀行的經(jīng)營(yíng)管理,還有經(jīng)濟(jì)發(fā)展以及社會(huì)穩(wěn)定。因此,如何防范和控制這些風(fēng)險(xiǎn)成為了各商業(yè)銀行關(guān)注的核心問(wèn)題。 本論文從房地產(chǎn)抵押貸款的基本要素及具體操作流程出發(fā),從貸款人、借款人以及社會(huì)經(jīng)濟(jì)大環(huán)境的角度進(jìn)行探討,在此基礎(chǔ)上對(duì)房地產(chǎn)抵押貸款的抵押物風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、欺詐風(fēng)險(xiǎn)、房地產(chǎn)抵押登記部門(mén)的風(fēng)險(xiǎn)等進(jìn)行了詳細(xì)分析,并結(jié)合實(shí)際切實(shí)地提出了商業(yè)銀行在房地產(chǎn)抵押貸款風(fēng)險(xiǎn)控制上的一系列對(duì)策,商業(yè)銀行工作人員必須在正確判斷抵押人的資信狀況、還貸能力、市場(chǎng)預(yù)測(cè)的前提下發(fā)放貸款,重視第一還款來(lái)源,加強(qiáng)貸款全流程管理,積極審慎地推動(dòng)金融創(chuàng)新,切實(shí)分散銀行風(fēng)險(xiǎn)。
[Abstract]:The real estate mortgage loan, because of its relatively low risk, therefore in China's banking industry development is extremely broad. Real estate as collateral for commercial bank credit business management, prevention and control of credit risk, and credit asset preservation has played a positive role, but undeniable, in recent years with the real real estate prices continue to rise, the state control policies, coupled with the overall credit environment of our society is poor, need to improve the relevant laws and regulations, financial products are not very rich, and the lack of experience in risk management of commercial banks for business between lead to vicious competition and a series of reasons, the risk of real estate mortgage the loan can not be ignored. The risk of real estate mortgage effect is not only the management of commercial banks, as well as economic development and social stability. Therefore, how to prevent and control These risks have become the core issues of concern to commercial banks.
This paper from the basic elements of real estate mortgage and the specific operation process of the lender, the borrower and the angle of the social economy, on the basis of the real estate mortgage collateral risk, liquidity risk, operational risk, fraud risk, real estate mortgage registration department of the risk of a detailed analysis, and put forward the practical and commercial banks in the real estate mortgage risk control on a series of countermeasures combined with the actual employees of commercial banks must correctly judge the credit status of the mortgagor, repayment ability, the premise of the market prediction of loans, pay attention to the first source of repayment, to strengthen the management of the whole process of loans, positive prudent to promote financial innovation, to spread the risks of banks.

【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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本文編號(hào)：1414611