本文選題：房地產(chǎn)信貸風(fēng)險(xiǎn) + 商業(yè)銀行　； 參考：《遼寧大學(xué)》2014年碩士論文

【摘要】：1998年，我國(guó)實(shí)行住房商品化，房地產(chǎn)行業(yè)得到了極大的發(fā)展，房地產(chǎn)市場(chǎng)呈現(xiàn)一片繁榮，房?jī)r(jià)大幅上漲。隨著國(guó)民生活水平的提高，，房地產(chǎn)業(yè)恰好滿足了國(guó)民的資金流動(dòng)需求，這就導(dǎo)致了大量的房地產(chǎn)開發(fā)企業(yè)向商業(yè)銀行貸款開發(fā)項(xiàng)目，這時(shí)的商業(yè)銀行的作用愈加重要。但同時(shí)，由于國(guó)家宏觀政策的調(diào)控，房地產(chǎn)業(yè)慢慢降溫，使得房地產(chǎn)開發(fā)企業(yè)資金運(yùn)轉(zhuǎn)出現(xiàn)問(wèn)題，加大了商業(yè)銀行的房地產(chǎn)信貸風(fēng)險(xiǎn)爆發(fā)的幾率。 文章基于房地產(chǎn)信貸業(yè)務(wù)風(fēng)險(xiǎn)產(chǎn)生的理論基礎(chǔ)，以哈爾濱銀行N支行為例，采用調(diào)研報(bào)告的形式，分析了在該地區(qū)房地產(chǎn)信貸風(fēng)險(xiǎn)形成的原因，并對(duì)房地產(chǎn)信貸風(fēng)險(xiǎn)影響因素進(jìn)行了量化分析，以直觀的數(shù)字化為媒介，發(fā)現(xiàn)、整理問(wèn)題，降低信貸風(fēng)險(xiǎn)發(fā)生的概率。 本文共分為五個(gè)部分： 第一部分，介紹了哈爾濱銀行及N支行的調(diào)查情況，首先描述了調(diào)研背景、調(diào)研目的及意義，引出風(fēng)險(xiǎn)；然后介紹了哈爾濱銀行及N支行的資產(chǎn)情況等問(wèn)題及調(diào)查時(shí)間和調(diào)查方式。 第二部分，介紹了當(dāng)?shù)亟?jīng)濟(jì)情況及城市建設(shè)情況，介紹了哈爾濱銀行面臨的房地產(chǎn)信貸風(fēng)險(xiǎn)現(xiàn)狀，并結(jié)合現(xiàn)實(shí)情況分析了增大該銀行面臨的信貸風(fēng)險(xiǎn)的原因。 第三部分，首先從調(diào)查問(wèn)卷的得分情況計(jì)算權(quán)重，得到對(duì)哈爾濱銀行房地產(chǎn)信貸風(fēng)險(xiǎn)最大的影響因素——企業(yè)財(cái)務(wù)狀況，然后從企業(yè)財(cái)務(wù)狀況中選取5項(xiàng)指標(biāo)，并對(duì)設(shè)定的16個(gè)變量2008年到2013年數(shù)據(jù)進(jìn)行未來(lái)一年的預(yù)測(cè)，畫出走勢(shì)圖，直觀的分析這些變量、指標(biāo)對(duì)該銀行未來(lái)的風(fēng)險(xiǎn)影響。 第四部分，根據(jù)上一部分得到的結(jié)論，對(duì)哈爾濱銀行N支行信貸業(yè)務(wù)風(fēng)險(xiǎn)問(wèn)題，從客戶、銀行角度提出解決建議，進(jìn)行風(fēng)險(xiǎn)防控，并對(duì)國(guó)家政策改進(jìn)進(jìn)行合理的預(yù)想。
[Abstract]:In 1998, our country implemented the housing commercialization, the real estate industry obtained the great development, the real estate market presents a prosperity, the house price rises substantially. With the improvement of the national living standard, the real estate industry just meets the demand of the national capital flow, which leads to a large number of real estate development enterprises to the commercial bank loan development project, at this time, the commercial bank's function becomes more and more important. But at the same time, because of the national macro-control policy, the real estate industry is cooling down slowly, which makes the real estate development enterprise run the fund problem, and increases the probability of the commercial bank's real estate credit risk erupting. Based on the theoretical basis of the risk generation of real estate credit business, taking Harbin Bank N Branch as an example, the paper analyzes the reasons for the formation of real estate credit risk in this area by using the form of investigation report. The paper also analyzes the influencing factors of real estate credit risk quantitatively, finds out and sorts out the problems and reduces the probability of credit risk taking the visual digitization as the medium. This paper is divided into five parts: The first part introduces the investigation of Harbin Bank and N Branch, first describes the research background, research purpose and significance, leading to risk; Then it introduces the assets of Harbin Bank and N Branch, and the investigation time and method. In the second part, the author introduces the local economic situation and urban construction, introduces the present situation of real estate credit risk faced by Harbin Bank, and analyzes the reasons for increasing the credit risk faced by Harbin Bank. In the third part, the author calculates the weight from the score of the questionnaire, obtains the biggest influencing factor to the real estate credit risk of Harbin bank-enterprise financial situation, and then selects five indexes from the enterprise financial condition. The data of 16 variables from 2008 to 2013 are predicted for the next year, and the trend chart is drawn to analyze these variables intuitively and the impact of indicators on the future risk of the bank. The fourth part, according to the conclusions obtained in the previous part, from the perspective of customers and banks, put forward some suggestions to solve the problem of credit risk of Harbin Bank N Branch, carry out risk prevention and control, and make a reasonable expectation to the improvement of national policy.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F299.23;F832.45

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