本文選題：住房信貸 + 商業(yè)銀行��； 參考：《遼寧大學》2014年碩士論文

【摘要】：隨著社會主義市場經濟的發(fā)展和住房制度改革的不斷深入，近些年來，我國部分城市房價出現(xiàn)過快上漲勢頭，投機性購房再度活躍，多家商業(yè)銀行紛紛拓展業(yè)務空間，介入到個人住房信貸市場。商業(yè)銀行在獲得利潤的同時，往往忽視了住房信貸的風險，房地產信貸風險再次成為新的經濟風險點。本文借此機會，重新審視了當今個人住房信貸風險的現(xiàn)狀以及風險防范方法。 文章首先介紹了個人住房信貸風險的相關理論，主要包括信息不對稱理論、理性違約風險理論、被迫違約風險理論，以及按風險種類劃分成流動性風險、信用風險、操作風險，為下文研究我國住房信貸風險做好理論準備。文章緊接著研究了中國個人住房信貸風險現(xiàn)狀與原因。關于風險現(xiàn)狀包括房貸業(yè)務的現(xiàn)狀、我國面臨的房貸風險和風險程度。然后介紹了我國房貸風險產生的原因，分成宏觀原因、銀行經營原因和借款人原因。其次，為了應對風險，我國商業(yè)銀行需要借鑒美國和加拿大應對住房信貸風險的經驗，并提出了對我國的啟示。最后，理論結合我國國情，本文提出了我國應對風險的建議和對策。從商業(yè)銀行內部完善風險預警機制，提高銀行內部操作風險的防范；從商業(yè)銀行外部制定合理的住房信貸制度，建立個人征信評價體系。 隨著市場經濟的不斷發(fā)展和完善，，人們生活水平日益提高，居民對住房需求的擴大，我國商業(yè)銀行應積極面對住房貸款業(yè)務中存在的風險管理問題，以迎接各方面挑戰(zhàn)，促進我國個人住房水平的提升。
[Abstract]:With the development of socialist market economy and the deepening of housing system reform, in recent years, housing prices in some cities in China have been rising too fast, speculative house purchases have become more active, and many commercial banks have expanded their business space. Get involved in the personal housing credit market. At the same time, commercial banks often ignore the risk of housing credit, and the real estate credit risk becomes a new economic risk point again. This paper takes this opportunity to re-examine the current situation of personal housing credit risk and risk prevention methods. This paper first introduces the relevant theories of personal housing credit risk, including information asymmetry theory, rational default risk theory, forced default risk theory, and the classification of liquidity risk, credit risk and operational risk according to the types of risk. For the following study of housing credit risk in China to do a good theoretical preparation. The article then studies the current situation and reasons of personal housing credit risk in China. About the risk present situation including the present situation of the housing loan business, our country faces the housing loan risk and the risk degree. Then it introduces the causes of mortgage risk in China, including macro reasons, bank management reasons and borrowers' reasons. Secondly, in order to deal with the risks, our commercial banks need to draw lessons from the experience of the United States and Canada to deal with housing credit risk, and put forward the enlightenment to our country. Finally, this paper puts forward some suggestions and countermeasures to deal with the risks in our country. From inside the commercial bank perfect the risk early warning mechanism to raise the bank internal operation risk prevention; from the commercial bank exterior formulates the reasonable housing credit system establishes the personal credit investigation appraisal system. With the continuous development and perfection of the market economy, people's living standard is improving day by day, and the residents' demand for housing is expanding, the commercial banks of our country should actively face the risk management problems in the housing loan business in order to meet the challenges from all aspects. To promote the level of personal housing in China.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.45

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相關期刊論文 前6條

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本文編號：1870666