本文選題：個人住房按揭貸款　切入點：逾期風險　出處：《電子科技大學》2013年碩士論文

【摘要】：自1998年我國進行住房體制改革以來，我國的房地產(chǎn)市場得到了快速的發(fā)展。我國的個人住房抵押貸款業(yè)務為房地產(chǎn)市場的發(fā)展和國民經(jīng)濟的發(fā)展提供了巨大的金融支持。隨著個人住房貸款業(yè)務的高速發(fā)展，個人住房貸款的違約風險也在日益增加。我國許多商業(yè)銀行的不良貸款比明顯高于美國、我國香港等發(fā)達國家或地區(qū)水平，并且我國商業(yè)銀行的這一比例還有繼續(xù)增加的趨勢。幸運的是我國大部分商業(yè)銀行都已經(jīng)認識到加強個人住房貸款逾期風險管理的重要性，學術(shù)界也非常重視這個問題。但是，，目前國內(nèi)對個人住房貸款逾期風險進行的研究還比較匱乏�；谝陨媳尘�，本文以XX銀行成都分行的個人住房貸款逾期風險為主要研究對象，分析現(xiàn)階段XX銀行成都分行的個人住房貸款逾期風險的主要影響因素，并為其在個人住房貸款逾期管理方面提供理論支持。 隨著商業(yè)銀行的住房按揭貸款業(yè)務總量的迅速增加，住房按揭貸款逾期風險已成為商業(yè)銀行在住房按揭貸款管理中經(jīng)常遇到的重要信用風險之一。本文在回顧國內(nèi)外有關(guān)住房按揭貸款逾期風險研究的理論基礎上，以防范和控制XX銀行成都分行個人住房貸款信用風險為研究對象，以XX銀行成都分行戰(zhàn)略轉(zhuǎn)型為背景，利用金融學上信用風險的相關(guān)的金融理論，結(jié)合對我國個人住房信貸信用風險的分析，揭示出XX銀行成都分行進入新的發(fā)展階段個人住房信用風險控制政策出臺的重要性和迫切性，同時對問題進行分析并提出相應的對策。 本論文在緒論部分詳細闡明了論文選題背景、研究意義以及相關(guān)研究思路、方法；第二章主要概述了商業(yè)銀行的個人住房貸款業(yè)務逾期風險的相關(guān)理論和研究現(xiàn)狀；第三章主要介紹了XX銀行成都分行的個人住房貸款業(yè)務的經(jīng)營現(xiàn)狀，分析了XX銀行成都分行個人住房貸款業(yè)務的逾期風險的原因；第四章是在前幾部分分析的基礎上，提出了加強住房按揭貸款逾期風險預警管理的對策建議；最后一部分是研究結(jié)論和展望。
[Abstract]:Since the reform of housing system in 1998, the real estate market of our country has been developing rapidly.The personal housing mortgage loan in China provides huge financial support for the development of the real estate market and the development of the national economy.With the rapid development of personal housing loan business, the default risk of personal housing loan is increasing day by day.The ratio of non-performing loans of many commercial banks in China is obviously higher than that of the United States, Hong Kong and other developed countries or regions, and the proportion of commercial banks in China is still increasing.Fortunately, most commercial banks in our country have realized the importance of strengthening the risk management of personal housing loan overdue, and the academic circles have also attached great importance to this problem.However, at present, the domestic research on the risk of personal housing loan overdue is still relatively scarce.Based on the above background, this paper takes the overdue risk of personal housing loan in Chengdu Branch of XX Bank as the main research object, and analyzes the main influencing factors of the overdue risk of personal housing loan in Chengdu Branch of XX Bank at this stage.It also provides theoretical support for the overdue management of personal housing loans.With the rapid increase of the total amount of housing mortgage loan in commercial banks, the overdue risk of housing mortgage loan has become one of the important credit risks often encountered by commercial banks in the management of housing mortgage loans.On the basis of reviewing the domestic and foreign research on the overdue risk of housing mortgage loan, this paper takes the prevention and control of the credit risk of individual housing loan in Chengdu Branch of XX Bank as the research object, and takes the strategic transformation of Chengdu Branch of XX Bank as the background.Using the relevant financial theory of credit risk in finance, combining with the analysis of credit risk of individual housing in our country,This paper reveals the importance and urgency of the personal housing credit risk control policy in Chengdu Branch of XX Bank at the new stage of development. At the same time, it analyzes the problems and puts forward the corresponding countermeasures.In the introduction part, the thesis expounds the background, significance, research ideas and methods of the thesis in detail. The second chapter mainly summarizes the relevant theories and research status of the overdue risk of personal housing loan business of commercial banks.The third chapter mainly introduces the current situation of the personal housing loan business of Chengdu Branch of XX Bank, and analyzes the reasons for the overdue risk of the personal housing loan business of Chengdu Branch of XX Bank.The countermeasures and suggestions to strengthen the early warning management of housing mortgage overdue risk are put forward, and the last part is the conclusion and prospect of the research.
【學位授予單位】：電子科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.45;F832.33

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