【摘要】：信貸客戶是商業(yè)銀行利潤(rùn)的主要貢獻(xiàn)者,尤其是房地產(chǎn)信貸客戶在商業(yè)銀行信貸客戶中占有很重要的地位。隨著國(guó)家房對(duì)房地產(chǎn)行業(yè)調(diào)控的不斷深入而帶來(lái)的房地產(chǎn)行業(yè)的變化,如何更好的選擇房地產(chǎn)信貸客戶以便商業(yè)銀行獲取優(yōu)質(zhì)客戶并有效的控制風(fēng)險(xiǎn),就成為銀行客戶選擇的重要研究?jī)?nèi)容。 如何形成一套高效準(zhǔn)確的房地產(chǎn)客戶選擇體系關(guān)系到浦發(fā)銀行大連分行在同行業(yè)競(jìng)爭(zhēng)中勝負(fù)。本文通過(guò)描述浦發(fā)銀行在房地產(chǎn)信貸客戶選擇中的評(píng)價(jià)方法,深入研究其中每一個(gè)評(píng)價(jià)方面的含義,針對(duì)部分存在局限性的評(píng)價(jià)方面進(jìn)行深入研究,找出其局限性所在,并提出改進(jìn)方案。 本文共分五部分內(nèi)容。第一章提出問(wèn)題,闡述客戶選擇方法對(duì)于浦發(fā)銀行大連分行房地產(chǎn)信貸業(yè)務(wù)發(fā)展的重要性。引據(jù)目前國(guó)內(nèi)外對(duì)于客戶選擇評(píng)價(jià)方法的研究現(xiàn)狀,提出本文的研究思路及所采用的技術(shù)路線。第二章理論概述,介紹房地產(chǎn)信貸概念和特點(diǎn),商業(yè)銀行客戶選擇方法和理論。描述了當(dāng)今主流的三大客戶選擇方法：5C評(píng)價(jià)法、客戶關(guān)系管理法和信用評(píng)級(jí)法。第三章論述了浦發(fā)銀行大連分行現(xiàn)有房地產(chǎn)信貸客戶選擇方法,對(duì)每個(gè)部分進(jìn)行分析,同時(shí)指出盈利能力部分、運(yùn)營(yíng)能力部分和競(jìng)爭(zhēng)力等部分存在缺陷,并對(duì)其局限性進(jìn)行剖析。第四章提出改善方案,針對(duì)前面分析出的缺陷進(jìn)行改進(jìn)和完善。第五章實(shí)例驗(yàn)證,以大連YD集團(tuán)為例,對(duì)本文的改進(jìn)措施進(jìn)行了效果評(píng)價(jià)。 本文的研究重點(diǎn)是對(duì)浦發(fā)銀行現(xiàn)行房地產(chǎn)客戶選擇方法進(jìn)行分析,并對(duì)其中個(gè)別界定模糊的評(píng)價(jià)指標(biāo)進(jìn)行改進(jìn)和補(bǔ)充,以期大連浦發(fā)銀行房地產(chǎn)選擇方法夠更加客觀反映企業(yè)的情況,能更加有效的為銀行選擇客戶的判斷提供依據(jù)。
[Abstract]:Credit customer is the main contributor of commercial bank profit, especially the real estate credit customer plays an important role in the commercial bank credit customer. With the deepening of the regulation and control of the real estate industry, how to better select the real estate credit customers in order for commercial banks to obtain high quality customers and effectively control the risk, It has become an important research content of bank customer selection. How to form a set of efficient and accurate real estate customer selection system is related to the success or failure of Pudong Development Bank Dalian Branch in the same industry competition. By describing the evaluation method of Pudong Development Bank in the selection of real estate credit customers, this paper deeply studies the meaning of each of them, and makes an in-depth study on some of the limitations of the evaluation, and finds out its limitations. And put forward the improvement plan. This paper is divided into five parts. The first chapter puts forward the question, expounding the importance of customer selection method to the development of real estate credit business of Pudong Development Bank Dalian Branch. According to the current research situation of customer selection and evaluation methods at home and abroad, this paper puts forward the research ideas and adopted technical route. The second chapter introduces the concept and characteristics of real estate credit, the method and theory of customer selection in commercial banks. This paper describes three popular customer selection methods: 5C evaluation method, customer relationship management method and credit rating method. The third chapter discusses the existing real estate credit customer selection methods in Dalian Branch of Pudong Development Bank, analyzes each part, and points out that there are some defects in the profitability part, the operational ability part and the competitiveness part, etc. And analyze its limitation. The fourth chapter puts forward the improvement scheme, aiming at the defects of the previous analysis to improve and perfect. The fifth chapter verifies the example, takes Dalian YD Group as an example, and evaluates the effect of the improvement measures in this paper. The research focus of this paper is to analyze the current real estate customer selection methods of Pudong Development Bank, and to improve and supplement the individual defined fuzzy evaluation indicators. It is expected that the real estate selection method of Dalian Pudong Development Bank can reflect the situation of the enterprise more objectively and can provide more effective basis for the bank to judge the customer selection.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.45

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