發(fā)布時(shí)間：2018-05-17 20:47

  本文選題：商業(yè)銀行 + 住房按揭貸款�。� 參考：《重慶理工大學(xué)》2014年碩士論文

【摘要】：從1998年住房體制改革至今，我國(guó)的商品房產(chǎn)業(yè)已經(jīng)逐漸發(fā)展成了國(guó)民經(jīng)濟(jì)的支柱產(chǎn)業(yè)之一，在其帶動(dòng)之下，個(gè)人住房按揭貸款業(yè)務(wù)也迅速發(fā)展。近年來(lái)，個(gè)人住房按揭貸款占商業(yè)銀行貸款總額的比重也不斷提高。國(guó)際公認(rèn)個(gè)人住房按揭貸款違約風(fēng)險(xiǎn)高發(fā)期為貸款后5—8年，因此，我國(guó)目前正處于個(gè)人住房按揭貸款違約的高發(fā)階段，加之房地產(chǎn)開(kāi)發(fā)企業(yè)融資渠道狹窄、部分地區(qū)房?jī)r(jià)上漲過(guò)快、銀行短存長(zhǎng)貸、法律保障體制不完善、抵質(zhì)押物處置困難等問(wèn)題，使得我國(guó)個(gè)人住房按揭貸款的風(fēng)險(xiǎn)正在逐步顯現(xiàn)。而這些風(fēng)險(xiǎn)將首先影響銀行的資金安全，甚至?xí)䲠_亂整個(gè)國(guó)民經(jīng)濟(jì)安全運(yùn)行體系。 從現(xiàn)有研究可以看出，隨著資產(chǎn)泡沫加劇、土地財(cái)政、經(jīng)濟(jì)危機(jī)等因素的重合交錯(cuò)影響，我國(guó)個(gè)人住房按揭貸款尚存在一定的風(fēng)險(xiǎn)。因此，，商業(yè)銀行個(gè)人住房按揭貸款的風(fēng)險(xiǎn)普遍存在，學(xué)術(shù)界已經(jīng)有了部分的研究成果。然而，上述研究多是從某個(gè)具體的角度出發(fā)，并沒(méi)有梳理出一個(gè)全面的系統(tǒng)框架來(lái)解決個(gè)人住房按揭貸款的風(fēng)險(xiǎn)問(wèn)題。因此，本文的研究將彌補(bǔ)上述缺陷，結(jié)合G銀行運(yùn)營(yíng)的實(shí)際狀況，著重從市場(chǎng)風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)3個(gè)方面進(jìn)行分析研究，以識(shí)別G銀行經(jīng)營(yíng)個(gè)人住房按揭貸款業(yè)務(wù)所面臨的三大風(fēng)險(xiǎn)，通過(guò)分析G銀行現(xiàn)有三大風(fēng)險(xiǎn)控制體系存在的問(wèn)題，提出相應(yīng)的業(yè)務(wù)經(jīng)營(yíng)及風(fēng)險(xiǎn)防范措施以促進(jìn)整個(gè)銀行業(yè)個(gè)人住房按揭貸款業(yè)務(wù)的發(fā)展。
[Abstract]:Since the reform of housing system in 1998, the commercial housing industry in China has gradually developed into one of the pillar industries of the national economy. In recent years, the proportion of personal housing mortgage loans to the total loans of commercial banks is also increasing. The internationally recognized period of default risk of individual housing mortgage loan is 5-8 years after loan. Therefore, our country is in the high risk stage of individual housing mortgage loan default at present, and the financing channel of real estate development enterprise is narrow. Some problems such as excessive rise in house prices, short deposits and long loans in banks, imperfect legal security system, and difficulties in disposing of pledge make the risks of personal housing mortgage loans in our country gradually appear. These risks will affect the bank's capital security first and even disrupt the whole national economy's safe operation system. It can be seen from the existing studies that with the combination of asset bubbles, land finance, economic crisis and other factors, there are still some risks in personal housing mortgage loans in China. Therefore, the risk of individual housing mortgage loans in commercial banks is widespread, and some research results have been made in academia. However, most of the above studies are from a specific point of view, and did not comb out a comprehensive system framework to solve the risk of individual housing mortgage problems. Therefore, the research in this paper will make up for the above defects, combining with the actual situation of G bank operation, focusing on three aspects of market risk, credit risk and operational risk. In order to identify the three major risks that G Bank faces in its personal housing mortgage loan business, and analyze the problems existing in the existing three risk control systems of G Bank, The corresponding business management and risk prevention measures are put forward to promote the development of individual housing mortgage loan business in the whole banking industry.
【學(xué)位授予單位】：重慶理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.479

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