本文關(guān)鍵詞：秦皇島建行個(gè)人住房貸款風(fēng)險(xiǎn)防控研究　出處：《燕山大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 秦皇島建行 個(gè)人住房貸款 風(fēng)險(xiǎn)防控體系 風(fēng)險(xiǎn)評(píng)級(jí) 貸款違約

【摘要】：個(gè)人住房貸款是商業(yè)銀行的戰(zhàn)略性業(yè)務(wù)，也是重要的利潤來源，發(fā)展個(gè)人住房貸款對(duì)商業(yè)銀行調(diào)整資產(chǎn)收入結(jié)構(gòu)、加快業(yè)務(wù)轉(zhuǎn)型有著重要意義。建設(shè)銀行作為國內(nèi)最早開辦個(gè)人住房貸款的銀行，至今發(fā)展依然迅猛。面對(duì)當(dāng)前多變的經(jīng)濟(jì)、金融形勢，研究個(gè)人住房貸款不良成因，制定相關(guān)辦法，加強(qiáng)個(gè)人住房貸款管制，回避相關(guān)業(yè)務(wù)風(fēng)險(xiǎn)，提升資產(chǎn)質(zhì)量，已成為當(dāng)務(wù)之急。苯文結(jié)合秦皇島建行業(yè)務(wù)實(shí)際，認(rèn)真剖析個(gè)人住房貸款風(fēng)險(xiǎn)防范措施，具有較強(qiáng)的理論性、實(shí)踐性和實(shí)用性。 本文針對(duì)當(dāng)前秦皇島建行個(gè)人住房貸款風(fēng)險(xiǎn)防控進(jìn)行研究，內(nèi)容如下： 首先，，明確了本文的研究意義，梳理了國內(nèi)外個(gè)人住房貸款風(fēng)險(xiǎn)防控研究發(fā)展?fàn)顩r，闡述了研究的內(nèi)容及分析的方法，為后續(xù)內(nèi)容奠定了理論基礎(chǔ)。 其次，對(duì)商業(yè)銀行個(gè)人住房貸款風(fēng)險(xiǎn)含義及特征進(jìn)行詳細(xì)介紹后，分析了個(gè)人住房貸款風(fēng)險(xiǎn)分類，為探尋其防控措施做好基礎(chǔ)。 再次，闡述了秦皇島建行個(gè)人住房貸款風(fēng)險(xiǎn)防控存在的問題，參考秦皇島建行個(gè)人住房貸款風(fēng)險(xiǎn)防控現(xiàn)狀，分析貸款違約因素，做出防控方案設(shè)計(jì)，包括建立個(gè)人住房貸款風(fēng)險(xiǎn)評(píng)級(jí)體系、貸后管理體系及進(jìn)行壓力測試。 最后，分別從打造先進(jìn)風(fēng)險(xiǎn)管理文化、完善風(fēng)險(xiǎn)管理制度、加強(qiáng)市場研判、完善內(nèi)控管理機(jī)制等方面制定出確保資金管理體系順利實(shí)施的各項(xiàng)保證措施，為風(fēng)險(xiǎn)防控方案的順利實(shí)施提供有力保障。
[Abstract]:Personal housing loan is a strategic business of commercial banks, but also an important source of profits, the development of personal housing loans to commercial banks to adjust the structure of asset income. It is of great significance to accelerate the business transformation. China Construction Bank, as the earliest individual housing loan bank in China, is still developing rapidly. In the face of the changing economy, the financial situation. To study the causes of bad personal housing loans, formulate relevant measures, strengthen the control of personal housing loans, avoid related business risks, improve the quality of assets, has become an urgent matter. Benwen combined with Qinhuangdao Construction Bank business practice. Serious analysis of personal housing loan risk prevention measures, with strong theoretical, practical and practical. In this paper, the current Qinhuangdao Construction Bank personal housing loan risk prevention and control research, the contents are as follows: First of all, the significance of this study is clarified, and the development of risk prevention and control of individual housing loans at home and abroad is reviewed. The contents and analysis methods of the research are expounded, which lays a theoretical foundation for the subsequent content. Secondly, after introducing the meaning and characteristics of personal housing loan risk in commercial banks in detail, this paper analyzes the classification of individual housing loan risk, and makes a good foundation for exploring its prevention and control measures. Thirdly, the paper expounds the problems of personal housing loan risk prevention and control of Qinhuangdao Construction Bank, referring to the current situation of Qinhuangdao Construction Bank personal housing loan risk prevention and control, analyzes the loan default factors, and makes the design of prevention and control scheme. Including the establishment of personal housing loan risk rating system, post-loan management system and stress testing. Finally, from the creation of advanced risk management culture, improve risk management system, strengthen market research, improve internal control management mechanism and other aspects to ensure the smooth implementation of the fund management system. To provide a strong guarantee for the smooth implementation of the risk prevention and control program.
【學(xué)位授予單位】：燕山大學(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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