【摘要】：個人住房貸款推動了中國房地產(chǎn)業(yè)的快速發(fā)展,極大地改善了百姓的居住條件,但也隱藏著不可忽視的信用風險。文章全面總結了阜新銀行個人住房貸款信用風險狀況,深入分析了阜新銀行個人住房貸款信用風險產(chǎn)生的原因,并在借鑒國外銀行管理經(jīng)驗的基礎上提出了阜新銀行預防和解決信用風險問題的對策,這些對策具體包括：積極推動社會信用意識及信用機制建設,完善阜新銀行借款人風險防范機制,完善阜新銀行開發(fā)商風險防范機制,強化阜新銀行內(nèi)部管理,建立阜新銀行個人住房貸款信用風險控制體系等。這些對策建議對阜新銀行充分認識個人住房貸款所隱藏的信用風險,采取有效的預防措施,維護金融穩(wěn)定具有重要的現(xiàn)實意義。
[Abstract]:Personal housing loan promotes the rapid development of China's real estate industry, greatly improves the living conditions of the common people, but also hides the credit risk that can not be ignored. This paper summarizes the credit risk situation of Fuxin bank's personal housing loan, and analyzes the causes of the credit risk of Fuxin bank's personal housing loan. On the basis of using foreign bank management experience for reference, the paper puts forward the countermeasures to prevent and solve the credit risk problems in Fuxin Bank. These countermeasures include: actively promoting social credit consciousness and credit mechanism construction. Improve the risk prevention mechanism of Fuxin bank borrower, perfect Fuxin bank developer risk prevention mechanism, strengthen the internal management of Fuxin bank, establish Fuxin bank personal housing loan credit risk control system, etc. These countermeasures and suggestions have important practical significance for Fuxin Bank to fully understand the credit risk hidden by individual housing loans, to take effective preventive measures and to maintain financial stability.
【學位授予單位】：遼寧工程技術大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

【參考文獻】

相關期刊論文 前3條

1 矯帥;馮莉;;個人住房貸款業(yè)務風險的分析與防范[J];東北財經(jīng)大學學報;2009年01期

2 高旺東;李斌;;宏觀調(diào)控背景下商業(yè)銀行個人住房信貸風險:困境與路徑選擇[J];地方財政研究;2007年09期

3 劉揚;;關于個人住房抵押貸款風險與防范對策探討[J];資源與人居環(huán)境;2010年16期

，

本文編號：2151929