本文關(guān)鍵詞： 二手住房貸款 風(fēng)險(xiǎn)管理 貸前調(diào)查　出處：《西安建筑科技大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：現(xiàn)階段，我國(guó)個(gè)人二手住房貸款的資源主要集中在各房地產(chǎn)中介機(jī)構(gòu)手中，中介機(jī)構(gòu)如何有效識(shí)別貸款業(yè)務(wù)中的風(fēng)險(xiǎn)因素和形成原因，有助于其貸款業(yè)務(wù)的順利開展；同時(shí)提前識(shí)別二手住房交易及貸款申請(qǐng)中可能出現(xiàn)的風(fēng)險(xiǎn)，對(duì)降低交易各方以及商業(yè)銀行的貸款風(fēng)險(xiǎn)有著積極的意義。 本文從中介機(jī)構(gòu)、借款人、銀行、抵押物、市場(chǎng)環(huán)境等多個(gè)角度分析了我國(guó)二手住房貸款風(fēng)險(xiǎn)形成的原因；通過(guò)對(duì)XX經(jīng)紀(jì)公司經(jīng)營(yíng)現(xiàn)狀的調(diào)查，分析其貸款風(fēng)險(xiǎn)管理流程和措施，構(gòu)建了個(gè)人二手住房貸款的風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系,并進(jìn)行分析，同時(shí)提出現(xiàn)有風(fēng)險(xiǎn)管理措施的局限性；通過(guò)對(duì)國(guó)外先進(jìn)地區(qū)個(gè)人住房貸款的風(fēng)險(xiǎn)控制經(jīng)驗(yàn)的總結(jié)與分析，針對(duì)XX經(jīng)紀(jì)公司在個(gè)人住房貸款中風(fēng)險(xiǎn)管理提出了對(duì)策建議：健全風(fēng)險(xiǎn)管理的組織架構(gòu)，明確風(fēng)險(xiǎn)管理部門職責(zé)，，完善貸款操作業(yè)務(wù)流程，協(xié)助商業(yè)銀行完善貸前調(diào)查、建立健全的成交客戶數(shù)據(jù)信息平臺(tái)、建立產(chǎn)權(quán)保險(xiǎn)制度等風(fēng)險(xiǎn)控制措施。 本文以XX經(jīng)紀(jì)公司為研究對(duì)象，對(duì)控制個(gè)人二手住房貸款的風(fēng)險(xiǎn)提出了具有針對(duì)性的防范措施和建議，研究對(duì)其他房地產(chǎn)中介機(jī)構(gòu)和金融擔(dān)保機(jī)構(gòu)具有一定的借鑒意義。
[Abstract]:At the present stage, the resources of personal second-hand housing loans in our country are mainly concentrated in the hands of various real estate agencies. How to effectively identify the risk factors and the formation reasons of the loan business. To facilitate the smooth development of its loan business; At the same time, it is of positive significance to identify the potential risks in second-hand housing transactions and loan applications in advance to reduce the loan risks of trading parties and commercial banks. This paper analyzes the causes of the risk of second-hand housing loan in China from the perspective of intermediary institution, borrower, bank, mortgage, market environment and so on. Through the investigation of XX brokerage company's management situation, this paper analyzes its loan risk management process and measures, and constructs the risk evaluation index system of personal second-hand housing loan, and analyzes it. At the same time, the limitations of existing risk management measures are put forward. Through the summary and analysis of the risk control experience of personal housing loan in advanced areas of foreign countries, this paper puts forward some countermeasures and suggestions for XX brokerage company in the risk management of personal housing loan: perfect the organizational structure of risk management. Make clear the responsibility of risk management department, perfect the business process of loan operation, assist commercial bank to perfect the investigation before loan, establish the perfect transaction customer data information platform, establish the property right insurance system and other risk control measures. In this paper, XX brokerage company as the research object, to control the risk of personal second-hand housing loans put forward targeted preventive measures and suggestions. The research has certain reference significance to other real estate intermediary organizations and financial guarantee institutions.
【學(xué)位授予單位】：西安建筑科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F299.233.55

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