本文關(guān)鍵詞： 房地產(chǎn) 項目貸款 信用風(fēng)險　出處：《華南理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：當(dāng)前，房地產(chǎn)項目貸款是商業(yè)銀行在房地產(chǎn)行業(yè)授信的主要業(yè)務(wù)，在房地產(chǎn)項目貸款形成信貸資產(chǎn)的質(zhì)量和收益直接關(guān)系到銀行資產(chǎn)的安全和市場聲譽。在房地產(chǎn)項目貸款中的風(fēng)險主要表現(xiàn)為信用風(fēng)險、操作風(fēng)險及經(jīng)營管理者的道德風(fēng)險。近年，國家宏觀政策逐步在加緊引導(dǎo)及規(guī)范房地產(chǎn)行業(yè)的發(fā)展，主要通過規(guī)范商業(yè)銀行對房地產(chǎn)行業(yè)的授信投入和貸款申請資格的審核，這種方式對區(qū)域經(jīng)濟中中小房地產(chǎn)企業(yè)影響明顯，區(qū)域性中小房地產(chǎn)企業(yè)在當(dāng)?shù)氐慕?jīng)濟結(jié)構(gòu)中占有重要比例，該類房地產(chǎn)企業(yè)一般依賴于銀行的貸款進行房地產(chǎn)項目開發(fā)。另外，國家還通過限購、貸款利率定價等措施影響房地產(chǎn)銷售的供給與需求，這可從近幾年各線城市的樓盤銷售價格總體趨勢走低的情況可見。由于房地產(chǎn)開發(fā)企業(yè)的特點具有高負債率，其開發(fā)資金一般來源于銷售資金回籠、銀行貸款及其它渠道融資，特別對于區(qū)域性的房地產(chǎn)開發(fā)企業(yè)的籌資渠道結(jié)構(gòu)中銀行貸款占主要比重。因此，國家的政策管制及市場價格變化會在一定程度上影響了區(qū)域性商業(yè)銀行對房地產(chǎn)項目貸款的質(zhì)量及回收。 S銀行是由農(nóng)村信用社改制成立的區(qū)域性商業(yè)銀行，以服務(wù)地方經(jīng)濟為發(fā)展戰(zhàn)略。該行主要業(yè)務(wù)利潤來源于傳統(tǒng)存款、貸款業(yè)務(wù)，其中在貸款業(yè)務(wù)近幾年的投放結(jié)構(gòu)方面，房地產(chǎn)行業(yè)投放占相對高比重，其中又以房地產(chǎn)項目貸款投放為主。然則，該行在房地產(chǎn)項目貸款業(yè)務(wù)的信用風(fēng)險管理措施及機制方面，如管理工具、組織架構(gòu)、業(yè)務(wù)流程及業(yè)務(wù)考核等方面仍存在需完善的地方。同時，在區(qū)域房地產(chǎn)行業(yè)中，，個別房地產(chǎn)公司發(fā)生貸款違約的個別信用風(fēng)險事件�；谇笆龅难芯勘尘跋拢ㄟ^以S銀行對A公司房地產(chǎn)項目貸款為研究案例，對于研究區(qū)域性商業(yè)銀行對該類房地產(chǎn)企業(yè)信用風(fēng)險控制的有效性有積極指導(dǎo)意義。 本文以S銀行對A公司房地產(chǎn)項目貸款作為研究案例，重點剖析S銀行在房地產(chǎn)項目貸款業(yè)務(wù)流程的貸前管理、貸后管理，以及在業(yè)務(wù)考核、組織架構(gòu)等方面的信用風(fēng)險控制措施。首先，概括S銀行對房地產(chǎn)項目貸款的管理現(xiàn)狀，其次引入S銀行對A公司項目貸款在貸前管理、貸后管理、業(yè)務(wù)考核等方面的分析，最后根據(jù)對S銀行在房地產(chǎn)項目貸款案例分析中存在的問題，建議該行在信用風(fēng)險管理架構(gòu)、優(yōu)化信用風(fēng)險監(jiān)測工具、貸款客戶信用評級、崗位考核及建立信用風(fēng)險偏好體系等方面的完善。
[Abstract]:At present, real estate project loan is the main business of commercial banks in the real estate industry. The quality and income of credit assets formed in real estate project loan is directly related to the safety of bank assets and market reputation. The risk in real estate project loan is mainly shown as credit risk. Operational risk and moral hazard of managers. In recent years, the state macro policy has gradually intensified to guide and standardize the development of the real estate industry. Mainly through standardizing the commercial banks to the real estate industry credit investment and loan application qualification examination, this way to the regional economy in the small and medium-sized real estate enterprises have an obvious impact. Regional small and medium-sized real estate enterprises in the local economic structure occupies an important proportion, this kind of real estate enterprises generally rely on bank loans for real estate project development. In addition, the state also through the purchase restrictions. Loan interest rate pricing and other measures affect the supply and demand of real estate sales. This can be seen from the decline in the overall trend of real estate sales prices in recent years. Because of the characteristics of real estate development enterprises with high debt ratio, their development funds generally come from the return of sales funds. Bank loans and other channels of financing, especially for regional real estate development enterprises in the financing channel structure of bank loans account for the main proportion. State policy regulation and market price change will affect the quality and recovery of real estate project loans by regional commercial banks to some extent. S Bank is a regional commercial bank established by rural credit cooperatives, which serves the local economy as the development strategy. The main business profit of the bank comes from the traditional deposit and loan business. In the loan business in recent years, the structure of the investment, the real estate industry investment accounts for a relatively high proportion, in which the real estate project loans mainly. The bank's credit risk management measures and mechanisms, such as management tools, organizational structure, business process and business assessment, still need to be improved. In the regional real estate industry, individual real estate companies have a loan default of individual credit risk events. Based on the aforementioned research background, through S Bank to A company real estate project loans as a case study. It has positive guiding significance for studying the effectiveness of regional commercial banks in controlling the credit risk of this kind of real estate enterprises. This paper takes S Bank as a case study to analyze S Bank's pre-loan management, post-loan management and business assessment in the real estate project loan business process. The credit risk control measures in the aspects of organization structure and so on. First, summarize the management status of S bank to real estate project loan, secondly introduce S bank to A company project loan management before loan, after loan management. Finally, according to the problems of S Bank in the real estate project loan case analysis, it is suggested that the bank should optimize the credit risk monitoring tools in the credit risk management framework. Credit rating of loan customers, post assessment and establishment of credit risk preference system.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.45;F299.233.4

【參考文獻】

相關(guān)博士學(xué)位論文 前1條

1 劉軍;基于全壽命期的房地產(chǎn)項目風(fēng)險分析與評價[D];東北大學(xué)　;2009年

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