【摘要】：隨著房地產(chǎn)行業(yè)的快速發(fā)展和商業(yè)銀行個(gè)人住房抵押貸款項(xiàng)目的不斷對(duì)外開(kāi)放,個(gè)人住房抵押貸款中的不良貸款風(fēng)險(xiǎn)成為商業(yè)銀行關(guān)注的焦點(diǎn)。本文從商業(yè)銀行抵押貸款中的個(gè)人住房抵押貸款進(jìn)行分析,主要強(qiáng)調(diào)來(lái)自借款人本身的違約風(fēng)險(xiǎn)。本文基于主層次分析法,分析來(lái)自借款人自身風(fēng)險(xiǎn)的各個(gè)因素的作用強(qiáng)度,建立影響借款人還款因素的信用模型。為了得到準(zhǔn)確的數(shù)據(jù),利用調(diào)查問(wèn)卷的方式搜集來(lái)自各商業(yè)銀行員工以及個(gè)人住房抵押貸款借款人的數(shù)據(jù)。針對(duì)各個(gè)數(shù)據(jù)進(jìn)行匯總分析,總結(jié)影響個(gè)人住房抵押貸款借款人違約的因素。最后根據(jù)出現(xiàn)的個(gè)人住房抵押貸借款人違約風(fēng)險(xiǎn)提出相應(yīng)的解決對(duì)策。這些對(duì)策提高了銀行對(duì)違約風(fēng)險(xiǎn)的防范意識(shí),完善了銀行內(nèi)部的風(fēng)險(xiǎn)管理控制。
[Abstract]:With the rapid development of real estate industry and the opening to the outside world of individual housing mortgage loan projects of commercial banks, the risk of non-performing loans in personal housing mortgage loans has become the focus of commercial banks. This paper analyzes the individual housing mortgage loan in commercial bank mortgage loan, mainly emphasizes the default risk from the borrower itself. Based on the principal analytic hierarchy process (PCA), this paper analyzes the strength of the various factors from the borrower's own risk, and establishes the credit model of the borrower's repayment factors. In order to obtain accurate data, the questionnaire is used to collect data from commercial bank employees and individual mortgage borrowers. To sum up the factors that affect the default of individual mortgage borrowers. Finally, the corresponding countermeasures are put forward according to the default risk of individual mortgage borrowers. These countermeasures improve the bank's awareness of risk of default and improve the risk management and control within the bank.
【學(xué)位授予單位】：長(zhǎng)春理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.45

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