本文關(guān)鍵詞：房地產(chǎn)貸款信用風(fēng)險(xiǎn)控制研究　出處：《武漢理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：房地產(chǎn)業(yè)是資金密集型行業(yè)，與金融業(yè)的發(fā)展密切相關(guān)。信用風(fēng)險(xiǎn)一直是銀行業(yè)，乃至整個(gè)金融業(yè)最古老最重要的風(fēng)險(xiǎn)形式，是金融機(jī)構(gòu)和監(jiān)管部門風(fēng)險(xiǎn)管理的主要對(duì)象和核心內(nèi)容。我國(guó)房地產(chǎn)業(yè)經(jīng)過十幾年的快速發(fā)展，帶動(dòng)了房地產(chǎn)貸款投放量持續(xù)迅猛增加。截至2013年末，我國(guó)人民幣房地產(chǎn)貸款余額14.61萬億元，占各項(xiàng)貸款的20.32%，全年增加2.34萬億元，同比多增9987億元，全年增量占同期各項(xiàng)貸款增量的28.1%。由于房地產(chǎn)貸款能有效落實(shí)抵押，，而且我國(guó)房?jī)r(jià)處于快速上升期，房地產(chǎn)貸款的不良貸款率相對(duì)較低，房地產(chǎn)貸款成為各商業(yè)銀行競(jìng)相爭(zhēng)奪的優(yōu)質(zhì)業(yè)務(wù)，商業(yè)銀行放松了對(duì)房地產(chǎn)貸款信用風(fēng)險(xiǎn)的管理，積累和隱藏了一定的信用風(fēng)險(xiǎn)。因此，房地產(chǎn)貸款信用風(fēng)險(xiǎn)管理也成為當(dāng)今金融領(lǐng)域和金融法領(lǐng)域一個(gè)重要的研究課題。 本文以房地產(chǎn)貸款信用風(fēng)險(xiǎn)控制為研究對(duì)象，第1章介紹了選題的意義和目的、研究的方法和角度、明確了研究的內(nèi)容和創(chuàng)新點(diǎn)；第2章分析了房地產(chǎn)貸款的組成、特點(diǎn)、現(xiàn)狀以及近三年的房地產(chǎn)貸款信貸政策和貨幣政策；第3章首先介紹了房地產(chǎn)貸款信用風(fēng)險(xiǎn)的含義，后面分別分析了法人房地產(chǎn)貸款和個(gè)人房地產(chǎn)貸款信用風(fēng)險(xiǎn)現(xiàn)狀；第4章分析了美國(guó)和日本法律對(duì)房地產(chǎn)貸款信用風(fēng)險(xiǎn)規(guī)制的現(xiàn)狀，著重分析了美國(guó)次貸危機(jī)發(fā)生的前因后果，同時(shí)總結(jié)了國(guó)內(nèi)部分學(xué)者對(duì)我國(guó)房地產(chǎn)貸款信用風(fēng)險(xiǎn)的研究情況；第5章介紹了筆者實(shí)地調(diào)研的某商業(yè)銀行房地產(chǎn)貸款信用風(fēng)險(xiǎn)狀況，重點(diǎn)分析了該行房地產(chǎn)貸款信用風(fēng)險(xiǎn)管理方法；最后一章，根據(jù)上面的研究分析，提出我國(guó)商業(yè)銀行房地產(chǎn)貸款信用風(fēng)險(xiǎn)的防范對(duì)策建議：第一、加強(qiáng)金融基礎(chǔ)設(shè)施建設(shè)，特別是法治環(huán)境和信息披露方面；第二、建立商業(yè)銀行全流程信用風(fēng)險(xiǎn)控制體系，包括貸前調(diào)查、中期管理、貸后管理以及貸款風(fēng)險(xiǎn)化解等；第三、加大系統(tǒng)研發(fā)投入，提高房地產(chǎn)貸款監(jiān)測(cè)水平；第四、擴(kuò)大房地產(chǎn)貸款證券化規(guī)模；第五、注重人才儲(chǔ)備和培養(yǎng)。
[Abstract]:The real estate industry is a capital-intensive industry, closely related to the development of the financial industry. Credit risk has always been the most ancient and important form of risk in banking and even the whole financial industry. It is the main object and core content of risk management in financial institutions and regulatory departments. After more than ten years of rapid development, real estate loans have been increasing rapidly. Until end of 2013. The balance of RMB real estate loans in China was 14.61 tillion yuan, accounting for 20.32 yuan of all loans, an increase of 2.34 tillion yuan in the whole year, and an increase of 998.7 billion yuan over the same period last year. The annual increment accounts for 28.1% of all loan increments in the same period. Because real estate loans can effectively implement the mortgage, and our country's house prices are in a period of rapid increase, the non-performing loan rate of real estate loans is relatively low. Real estate loan has become a quality business that commercial banks compete for. Commercial banks relax the management of credit risk of real estate loans and accumulate and hide certain credit risk. Credit risk management of real estate loans has also become an important research topic in the field of finance and financial law. This paper takes the real estate loan credit risk control as the research object. The first chapter introduces the significance and purpose of the topic, the research method and angle, and clarifies the content and innovation of the research; The second chapter analyzes the composition of real estate loans, characteristics, the current situation and the recent three years of real estate loan credit policy and monetary policy; Chapter 3 first introduces the meaning of real estate loan credit risk, and then analyzes the current situation of legal person real estate loan and personal real estate loan credit risk respectively. Chapter 4 analyzes the current situation of the regulation of the credit risk of real estate loans under the laws of the United States and Japan, focusing on the causes and consequences of the subprime mortgage crisis in the United States. At the same time, it summarizes some domestic scholars' research on the credit risk of real estate loan in China. Chapter 5 introduces the real estate loan credit risk situation of a commercial bank investigated by the author on the spot, focusing on the analysis of the real estate loan credit risk management method of the commercial bank. The last chapter, according to the above research and analysis, puts forward the countermeasures and suggestions to prevent the credit risk of commercial banks' real estate loans: first, strengthen the financial infrastructure construction, especially the rule of law environment and information disclosure; Second, establish the whole process credit risk control system of commercial banks, including pre-loan investigation, medium-term management, post-loan management and loan risk resolution; Third, increase the system research and development investment, improve the monitoring level of real estate loans; 4th, expand the scale of real estate loan securitization; 5th, pay attention to talent reserve and training.
【學(xué)位授予單位】：武漢理工大學(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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