本文選題：個(gè)人住房貸款 + 信用風(fēng)險(xiǎn)�。� 參考：《吉林財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：住房是保障人們生活質(zhì)量的重要因素，住房條件的好壞直接關(guān)系到人民生活質(zhì)量的高低。隨著近幾年商品房市場(chǎng)的不斷發(fā)展，商業(yè)銀行的個(gè)人住房貸款隨著房地產(chǎn)市場(chǎng)的發(fā)展產(chǎn)生并逐步走向白熱化。因?yàn)閭�(gè)人住房貸款具有期限長(zhǎng)、收益高的特點(diǎn)，所以國(guó)家出臺(tái)有關(guān)政策鼓勵(lì)個(gè)人住房貸款的發(fā)展，為了響應(yīng)國(guó)家的有關(guān)政策各大商業(yè)銀行迅速發(fā)展個(gè)人住房貸款業(yè)務(wù)。與此同時(shí)，商業(yè)銀行在此業(yè)務(wù)上面臨的風(fēng)險(xiǎn)也日益加深。個(gè)人住房貸款存在著諸多風(fēng)險(xiǎn)，如流動(dòng)性風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、利率風(fēng)險(xiǎn)等，但在諸多風(fēng)險(xiǎn)中，信用風(fēng)險(xiǎn)是商業(yè)銀行所面臨的最主要的風(fēng)險(xiǎn)，也是最大的風(fēng)險(xiǎn)。部分商業(yè)銀行個(gè)人住房貸款業(yè)務(wù)由于受到房地產(chǎn)過(guò)熱后的調(diào)控政策的影響，總量出現(xiàn)了下降趨勢(shì)，且不良貸款率上升，信用風(fēng)險(xiǎn)開始顯現(xiàn)。針對(duì)當(dāng)前情況，我國(guó)商業(yè)銀行如何加強(qiáng)對(duì)個(gè)人住房貸款信用風(fēng)險(xiǎn)的管理，成為其重要課題之一。 商業(yè)銀行個(gè)人住房貸款作為住房金融重點(diǎn)支柱部分，，一直以來(lái)受到政府的關(guān)注，是社會(huì)各界的熱點(diǎn)話題。加之2010年以來(lái)我國(guó)對(duì)房地產(chǎn)宏觀調(diào)控的不斷深入，商業(yè)銀行開始嚴(yán)格控制對(duì)房地產(chǎn)行業(yè)的貸款，使房地產(chǎn)行業(yè)融資受到了很大影響，一時(shí)之間使我國(guó)房地產(chǎn)市場(chǎng)陷入了低迷狀態(tài)。在此背景下，個(gè)人住房貸款也隨之受到干擾。2008年爆發(fā)的美國(guó)次貸危機(jī)，并最終演變成了全球性的金融危機(jī)，其帶來(lái)的巨大影響給各國(guó)商業(yè)銀行敲響了警鐘。如何應(yīng)對(duì)商業(yè)銀行個(gè)人住房貸款的信用風(fēng)險(xiǎn)，成為當(dāng)前各國(guó)商業(yè)銀行急需解決的問(wèn)題。 本文在我國(guó)房地產(chǎn)調(diào)控的大背景下，對(duì)商業(yè)銀行個(gè)人住房貸款的總體情況作了分析與總結(jié)，運(yùn)用一系列的統(tǒng)計(jì)數(shù)據(jù)，說(shuō)明和闡述了現(xiàn)階段國(guó)內(nèi)商業(yè)銀行個(gè)人住房貸款信用風(fēng)險(xiǎn)的總體情況。在分析與論證商業(yè)銀行信用風(fēng)險(xiǎn)產(chǎn)生的原因的基礎(chǔ)上，對(duì)個(gè)人住房貸款信用風(fēng)險(xiǎn)及管理中的相關(guān)問(wèn)題進(jìn)行了歸納總結(jié)。同時(shí)，分析并借鑒了美國(guó)次貸危機(jī)的產(chǎn)生原因、發(fā)展歷程及解決措施后，總結(jié)了美國(guó)在個(gè)人住房貸款信用風(fēng)險(xiǎn)方面的優(yōu)勢(shì)和在次債危機(jī)處理方面的經(jīng)驗(yàn)。最后，針對(duì)現(xiàn)階段我國(guó)個(gè)人住房貸款及管理方面存在的不足，提出了相應(yīng)的對(duì)策和建議。希望本文能夠?yàn)槲覈?guó)商業(yè)銀行個(gè)人住房貸款信用風(fēng)險(xiǎn)管理提供有價(jià)值的分析數(shù)據(jù)與有效建議，為促進(jìn)我國(guó)商業(yè)銀行信貸業(yè)務(wù)健康發(fā)展和商業(yè)銀行的持續(xù)穩(wěn)健經(jīng)營(yíng)盡綿薄之力。
[Abstract]:Housing is an important factor to guarantee people's quality of life, and the quality of housing is directly related to the quality of people's life. With the development of commercial housing market in recent years, personal housing loans of commercial banks have come into being with the development of real estate market. Because the personal housing loan has the characteristics of long term and high income, the state has issued some policies to encourage the development of the individual housing loan. In order to respond to the relevant policies of the country, the major commercial banks develop the personal housing loan business rapidly. At the same time, commercial banks in this business is also facing a deepening of the risks. There are many risks in personal housing loan, such as liquidity risk, operational risk, interest rate risk, etc. But in many risks, credit risk is the most important risk faced by commercial banks, and it is also the biggest risk. Some commercial banks' personal housing loan business is affected by the regulation and control policy after the real estate overheating, the total amount has shown a downward trend, and the non-performing loan ratio has increased, and the credit risk has begun to appear. In view of the current situation, how to strengthen the management of the credit risk of personal housing loan has become one of the important topics. As the key pillar of housing finance, commercial bank personal housing loan has been concerned by the government all the time, and it is a hot topic in all walks of life. In addition, with the deepening of macro-control of real estate in China since 2010, commercial banks began to strictly control loans to the real estate industry, which greatly affected the financing of the real estate industry. For a while, the real estate market in China has fallen into a state of depression. In this context, personal housing loan is also disturbed. The American subprime mortgage crisis broke out in 2008, and finally developed into a global financial crisis, which has a great impact on commercial banks in various countries. How to deal with the credit risk of commercial banks' personal housing loans has become an urgent problem for commercial banks in various countries. Under the background of real estate regulation and control in China, this paper analyzes and summarizes the general situation of individual housing loans in commercial banks, and applies a series of statistical data. Explained and elaborated the domestic commercial bank individual housing loan credit risk general situation at the present stage. Based on the analysis and demonstration of the causes of the credit risk of commercial banks, the credit risk of personal housing loan and the related problems in the management are summarized. At the same time, this paper analyzes and draws lessons from the causes, development and solutions of the subprime mortgage crisis in the United States, and summarizes the advantages of the United States in the credit risk of individual housing loans and its experience in dealing with the sub-prime mortgage crisis. Finally, in view of the deficiency of personal housing loan and management in our country at present, the corresponding countermeasures and suggestions are put forward. It is hoped that this paper can provide valuable analysis data and effective suggestions for the credit risk management of individual housing loans of commercial banks in China, and contribute to the healthy development of the credit business of commercial banks in China and the sustained and steady operation of commercial banks.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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