【摘要】：個(gè)人住房貸款推動(dòng)了中國(guó)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(fēng)險(xiǎn)。文章全面總結(jié)了阜新銀行個(gè)人住房貸款信用風(fēng)險(xiǎn)狀況,深入分析了阜新銀行個(gè)人住房貸款信用風(fēng)險(xiǎn)產(chǎn)生的原因,并在借鑒國(guó)外銀行管理經(jīng)驗(yàn)的基礎(chǔ)上提出了阜新銀行預(yù)防和解決信用風(fēng)險(xiǎn)問(wèn)題的對(duì)策,這些對(duì)策具體包括：積極推動(dòng)社會(huì)信用意識(shí)及信用機(jī)制建設(shè),完善阜新銀行借款人風(fēng)險(xiǎn)防范機(jī)制,完善阜新銀行開發(fā)商風(fēng)險(xiǎn)防范機(jī)制,強(qiáng)化阜新銀行內(nèi)部管理,建立阜新銀行個(gè)人住房貸款信用風(fēng)險(xiǎn)控制體系等。這些對(duì)策建議對(duì)阜新銀行充分認(rèn)識(shí)個(gè)人住房貸款所隱藏的信用風(fēng)險(xiǎn),采取有效的預(yù)防措施,維護(hù)金融穩(wěn)定具有重要的現(xiàn)實(shí)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(xué)位授予單位】：遼寧工程技術(shù)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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本文編號(hào)：2151929