【摘要】：個(gè)人住房貸款這項(xiàng)在西方早已成熟的業(yè)務(wù)在中國(guó)開始的比較晚，上個(gè)世紀(jì)八十年代才開始出現(xiàn)，由于中國(guó)經(jīng)濟(jì)最近三十年的快速騰飛，人們?cè)絹?lái)越多的接受了能提升生活水平的個(gè)人貸款來(lái)提前消費(fèi)的美式消費(fèi)理念。面對(duì)潛力巨大的國(guó)內(nèi)市場(chǎng)，我國(guó)銀行業(yè)對(duì)各項(xiàng)關(guān)于個(gè)人業(yè)務(wù)的發(fā)展的重視程度越來(lái)越高，鑒于此，個(gè)人貸款這項(xiàng)業(yè)務(wù)逐漸成為了我國(guó)大部分銀行的業(yè)務(wù)發(fā)展重點(diǎn)方向和利潤(rùn)新的重要增長(zhǎng)點(diǎn)。個(gè)人貸款業(yè)務(wù)的地位較之以前已經(jīng)有很大提升，，不難發(fā)現(xiàn)，許多銀行已經(jīng)在個(gè)人貸款業(yè)務(wù)的流程優(yōu)化以及效率提升方面有所建樹，但我國(guó)的個(gè)人貸款從開始算起也就短短幾十年光景，還沒(méi)有形成合理、高效的作業(yè)程序，個(gè)人貸款流程中存在的不合理之處日益成為了制約個(gè)貸發(fā)展的絆腳石。工商銀行河南省分行在2012年對(duì)信貸審批用印管理系統(tǒng)進(jìn)行了升級(jí)，由原來(lái)的手工蓋章方式轉(zhuǎn)變?yōu)橛糜C(jī)用印。在系統(tǒng)升級(jí)之后，個(gè)人住房貸款業(yè)務(wù)審批的一些弊端逐漸暴露出來(lái)了。如何在新系統(tǒng)模式下，如何提高審批質(zhì)量和審批速度，以及如何對(duì)新系統(tǒng)出現(xiàn)的有關(guān)問(wèn)題進(jìn)行改造成為日漸突出的問(wèn)題。 從目前國(guó)內(nèi)商業(yè)銀行個(gè)人住房貸款審批的實(shí)際操作狀況來(lái)看，此項(xiàng)業(yè)務(wù)還存在許多不足之處，尤以貸款審批不嚴(yán)，辦理周期過(guò)長(zhǎng)且效率低下而給客戶帶來(lái)不滿為主。本文的主要內(nèi)容分為以下幾個(gè)部分： 第二章闡述工商銀行個(gè)人住房貸款概況。主要說(shuō)明個(gè)人住房貸款的發(fā)展、個(gè)人住房貸款的辦理流程、個(gè)人住房貸款的審批模式、個(gè)人住房貸款審批圖，對(duì)個(gè)人住房貸款審批中涉及的相關(guān)人員進(jìn)行詳細(xì)的說(shuō)明，以及個(gè)人住房貸款中存在的風(fēng)險(xiǎn)。 第三章通過(guò)上章節(jié)的個(gè)人住房貸款違規(guī)審批案例及現(xiàn)實(shí)中遇到的實(shí)際問(wèn)題，從個(gè)人住房貸款審批機(jī)制的實(shí)際操作流程出發(fā)，指出審批中存在的問(wèn)題，主要有審批中折射出操作的操作風(fēng)險(xiǎn)、審批人員不足形成孤島、審批缺乏市場(chǎng)化致使審批效率不高、缺乏監(jiān)管機(jī)制等。具體對(duì)操作風(fēng)險(xiǎn)的形成進(jìn)行分析。 第四章介紹國(guó)外商業(yè)銀行信貸審批機(jī)制，著重介紹美國(guó)銀行、歐洲銀行和加拿大銀行的信貸審批制度，進(jìn)而對(duì)國(guó)外的審批制度進(jìn)行對(duì)比分析，總結(jié)國(guó)外審批制度的經(jīng)驗(yàn)，從而控制國(guó)內(nèi)審批制度，提供審批質(zhì)量。 第五章就如何改進(jìn)操作以提高審批處理能力、提高個(gè)人住房貸款的審批效率、提高客戶滿意度，提出完善個(gè)人住房貸款審批的對(duì)策及建議：加強(qiáng)內(nèi)控審核制度、增強(qiáng)風(fēng)險(xiǎn)防范意識(shí)；加強(qiáng)審批人員業(yè)務(wù)技能培訓(xùn)、提高風(fēng)險(xiǎn)識(shí)別能力；合理配置信貸崗位審批人員；優(yōu)化審批流程、提高審批效率；建立電子信用評(píng)級(jí)審批系統(tǒng)。
[Abstract]:Personal housing loans, a well-established business in the West, began relatively late in China, and only began to emerge in the 1980s, due to the rapid economic growth of China in the past three decades. More and more people accept the American-style consumption idea that personal loans can improve living standards to advance consumption. In the face of the enormous potential of the domestic market, China's banking industry is paying more and more attention to the development of individual business. In view of this, Personal loan has gradually become the key business development direction and a new important growth point of profit of most banks in China. The status of personal loan business has been greatly improved, and it is not difficult to find that many banks have made progress in improving the process and efficiency of personal loan business. But the personal loan in our country has been only a few decades from the beginning, and has not formed a reasonable and efficient operation procedure. The unreasonable place in the personal loan process has increasingly become a stumbling block to restrict the development of individual loan. In 2012, the Henan branch of ICBC upgraded the credit approval management system from manual seal to printing machine. After the system upgrade, the personal housing loan business approval of some drawbacks gradually exposed. How to improve the quality and speed of examination and approval under the new system mode and how to transform the related problems in the new system become increasingly prominent problems. Judging from the actual operation of personal housing loan examination and approval in domestic commercial banks, there are still many shortcomings in this business, especially the lack of strict loan approval, long processing cycle and low efficiency, which bring dissatisfaction to customers. The main content of this paper is divided into the following parts: the second chapter describes the overview of ICBC personal housing loans. It mainly describes the development of personal housing loans, the processing process of personal housing loans, the approval mode of individual housing loans, the approval charts of individual housing loans, and the detailed description of the relevant personnel involved in the examination and approval of individual housing loans. And the risks in personal housing loans. The third chapter points out the problems existing in the examination and approval from the practical operation flow of the personal housing loan approval mechanism through the case of the personal housing loan illegal examination and approval and the practical problems encountered in reality. There are mainly operational risks reflected in the examination and approval, lack of examination and approval personnel forming isolated islands, lack of marketization of approval resulting in low efficiency of examination and approval, lack of supervision mechanism and so on. The formation of operational risk is analyzed. Chapter four introduces the credit approval mechanism of foreign commercial banks, focusing on the credit examination and approval systems of American banks, European banks and Canadian banks, and then compares and analyzes the examination and approval systems abroad, and sums up the experience of foreign examination and approval systems. Thus controls the domestic examination and approval system, provides the examination and approval quality. The fifth chapter is about how to improve the operation to improve the ability of examination and approval, improve the efficiency of personal housing loan examination and approval, improve the customer satisfaction, and put forward the countermeasures and suggestions to perfect the personal housing loan examination and approval: strengthen the internal control audit system. Strengthen the awareness of risk prevention; strengthen the professional skills training of examiners to improve the ability to identify risks; rationally allocate credit post examiners; optimize the approval process to improve the efficiency of approval; establish an electronic credit rating examination and approval system.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.479

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本文編號(hào)：2289720