發(fā)布時(shí)間：2018-06-09 06:09

  本文選題：房地產(chǎn) + 貸款風(fēng)險(xiǎn)　； 參考：《安徽大學(xué)》2013年碩士論文

【摘要】：隨著經(jīng)濟(jì)的發(fā)展和居民收入水平的提高,對(duì)房地產(chǎn)的需求激增,帶動(dòng)了我國(guó)房地產(chǎn)業(yè)的高速成長(zhǎng),特別是在國(guó)家住房制度改革和擴(kuò)大內(nèi)需政策的引導(dǎo)下,房地產(chǎn)呈現(xiàn)了良好的發(fā)展前景,投資增長(zhǎng)迅猛,成為國(guó)民經(jīng)濟(jì)新的增長(zhǎng)點(diǎn)。而我國(guó)的房地產(chǎn)業(yè)務(wù)從2004年開始全面快速發(fā)展,高房?jī)r(jià)、銀行與開發(fā)商信息不對(duì)稱和銀行自身風(fēng)險(xiǎn)管理水平的低下、國(guó)家宏觀調(diào)控等都使得房地產(chǎn)開發(fā)貸款面臨著越來越多的風(fēng)險(xiǎn),銀行需要對(duì)加強(qiáng)房地產(chǎn)開發(fā)貸款中的風(fēng)險(xiǎn)管理,以保障銀行資金的安全性和效益性,防范房地產(chǎn)開發(fā)貸款風(fēng)險(xiǎn)。 中國(guó)安徽省建設(shè)銀行鐘樓支行作為建行的分支機(jī)構(gòu),也對(duì)建行在該地區(qū)的房地業(yè)貸款風(fēng)險(xiǎn)管理起著統(tǒng)籌管理的責(zé)任。因此,在當(dāng)今房地產(chǎn)開發(fā)大環(huán)境較為不利的情況下,中國(guó)安徽省建設(shè)銀行鐘樓支行迫切需要提升風(fēng)險(xiǎn)管理水平,防范房地產(chǎn)貸款風(fēng)險(xiǎn),保障自身利益的同時(shí),推動(dòng)全發(fā)區(qū)地產(chǎn)行業(yè)的健康發(fā)展。 本論文以銀行業(yè)為背景,選取安徽省建行鐘樓支行為研究對(duì)象,在對(duì)房地產(chǎn)貸款風(fēng)險(xiǎn)的基本理論的相關(guān)研究進(jìn)行梳理與總結(jié)的基礎(chǔ)上,分析了安徽省建行鐘樓支行房地產(chǎn)貸款風(fēng)險(xiǎn)管理的現(xiàn)狀,提出了其房地產(chǎn)貸款風(fēng)險(xiǎn)的構(gòu)成以及原因,并相應(yīng)的提出了安徽省建行鐘樓支行房地產(chǎn)貸款風(fēng)險(xiǎn)的防范措施。 本文試圖通過研究中國(guó)安徽省建設(shè)銀行鐘樓支行房地產(chǎn)貸款風(fēng)險(xiǎn)并應(yīng)用于實(shí)踐操作,使中國(guó)安徽省建設(shè)銀行鐘樓支行確定正確的風(fēng)險(xiǎn)管理理念、在激烈的市場(chǎng)競(jìng)爭(zhēng)中明確自己的市場(chǎng)地位、實(shí)施有效的房地產(chǎn)貸款風(fēng)險(xiǎn)管理舉措、將風(fēng)險(xiǎn)管理理論付諸于管理實(shí)踐中、建立持續(xù)的競(jìng)爭(zhēng)優(yōu)勢(shì)。同時(shí),也為其他商業(yè)銀行房地產(chǎn)信貸業(yè)務(wù)的風(fēng)險(xiǎn)管理提供建議與參考。
[Abstract]:With the development of economy and the improvement of residents' income level, the demand for real estate has increased sharply, which has driven the rapid growth of the real estate industry in China, especially under the guidance of the reform of the national housing system and the policy of expanding domestic demand. Real estate presents a good development prospects, the rapid growth of investment has become a new growth point of the national economy. However, China's real estate business has been developing rapidly since 2004, with high house prices, asymmetric information between banks and developers, and low risk management level of banks themselves. The state macro-control and so on make real estate development loans face more and more risks. Banks need to strengthen risk management in real estate development loans in order to ensure the safety and efficiency of bank funds. As a branch of CCB, the Zhonglou Branch of China Construction Bank is also responsible for the management of loan risk of CCB's real estate industry in this area. Therefore, under the unfavorable environment of real estate development, the bell tower branch of Anhui Province Construction Bank of China urgently needs to raise the level of risk management, guard against the risk of real estate loans, and safeguard its own interests. This paper takes the banking industry as the background, selects the Anhui construction bank clock tower behavior research object, carries on the combing and the summary to the real estate loan risk basic theory related research foundation, this paper takes the banking industry as the background, selects the Anhui construction bank clock tower branch behavior research object, carries on the combing and the summary to the real estate loan risk basic theory. This paper analyzes the present situation of the real estate loan risk management of the Zhong Tower Branch of Anhui Construction Bank, and puts forward the composition and reasons of the real estate loan risk. This paper tries to study the real estate loan risk of Zhong Tower Branch of Anhui Province Construction Bank and apply it to practice. To make the bell tower branch of Anhui Province Construction Bank of China determine the correct risk management concept, clarify its market position in the fierce market competition, and implement effective real estate loan risk management measures, The theory of risk management is put into practice, and the sustainable competitive advantage is established. At the same time, it also provides advice and reference for the risk management of real estate credit business of other commercial banks.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.45

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本文編號(hào)：1999303