本文關(guān)鍵詞： 商業(yè)銀行 房地產(chǎn) 個人住房貸款 風(fēng)險　出處：《云南大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：2012年12月,中央經(jīng)濟工作會議指出,城鎮(zhèn)化是我國現(xiàn)代化建設(shè)的歷史任務(wù),也是擴大內(nèi)需的最大潛力所在,要積極引導(dǎo)城鎮(zhèn)化健康發(fā)展,目前《全國促進城鎮(zhèn)化健康發(fā)展規(guī)劃》也已上報國務(wù)院。在新型城鎮(zhèn)化已經(jīng)上升為國家戰(zhàn)略的宏觀背景下,國內(nèi)銀行業(yè)出于業(yè)務(wù)模式轉(zhuǎn)變的需要也掀起了一股大力發(fā)展零售業(yè)務(wù)的勢頭。在宏觀大背景和行業(yè)發(fā)展趨勢的共同推動下,個人住房貸款業(yè)務(wù)必將得到迅速發(fā)展,成為商業(yè)銀行最主要的一塊資產(chǎn)業(yè)務(wù)和利潤來源,但隨著業(yè)務(wù)規(guī)模的擴大及房地產(chǎn)市場和固定資產(chǎn)價格變動的不確定因素增加,個人住房按揭貸款業(yè)務(wù)也將進入一個風(fēng)險暴露的高峰期,對商業(yè)銀行資產(chǎn)質(zhì)量和盈利能力帶來影響,因此通過研究個人住房按揭貸款國內(nèi)外研究現(xiàn)狀、在我國的起源和發(fā)展過程、風(fēng)險分析及當(dāng)前業(yè)務(wù)模式和風(fēng)險管理中存在的問題,在借鑒國外先進經(jīng)驗的同時充分結(jié)合我國實際情況的基礎(chǔ)上,最后從建立一套成熟完整的個人征信體系和統(tǒng)一標(biāo)準(zhǔn)的個人信用評級機制,以此促進誠信意識的覺醒和誠信社會的形成、大力推進我國個人住房按揭貸款證券化工作、建立和完善政府擔(dān)保制度和商業(yè)機構(gòu)保險三個方面提出對應(yīng)措施和改進方向來幫助商業(yè)銀行提高風(fēng)險管理能力,以防范可能產(chǎn)生的風(fēng)險具有很強的必要性。
[Abstract]:In December 2012, the Central Economic work Conference pointed out that urbanization is the historical task of China's modernization drive and the greatest potential for expanding domestic demand. It is necessary to actively guide the healthy development of urbanization. At present, the National Plan for the healthy Development of urbanization has also been reported to the State Council. Under the macro background that the new type of urbanization has become a national strategy, Due to the need of changing the business model, the domestic banking industry has also set off a momentum of vigorously developing the retail business. With the help of the macro background and the industry development trend, the personal housing loan business will certainly get a rapid development. It has become the most important asset business and profit source for commercial banks, but with the expansion of business scale and the uncertainty of the real estate market and fixed assets price changes, Personal housing mortgage loan business will also enter a peak period of risk exposure, which will have an impact on the asset quality and profitability of commercial banks. On the basis of the origin and development process of our country, the risk analysis and the problems existing in the current business model and risk management, on the basis of drawing lessons from the advanced experience of foreign countries and fully combining the actual situation of our country, Finally, from the establishment of a mature and complete personal credit system and a unified standard of personal credit rating mechanism, in order to promote the awareness of good faith and the formation of a credit society, we will vigorously promote the securitization of individual housing mortgage loans in China. It is necessary to establish and perfect the government guarantee system and the commercial institution insurance in order to improve the risk management ability of the commercial banks.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.479

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