商业银行房地产开发贷款风险的评估与防范研究

发布时间：2018-01-01 22:22

本文关键词：商业银行房地产开发贷款风险的评估与防范研究　出处：《大连海事大学》2013年硕士论文　论文类型：学位论文

【摘要】：房地产是一项周期长、数量大的高投入经营活动,而我国的房地产金融体系是以银行为主导。投资和投机已经过度,推动房价一路非理性快速上涨,严重脱离了经济增长和人民收入水平的增长速度。商业银行贷款为高速发展的房地产业提供了最主要的资金来源,在房地产市场持续升温的同时,金融风险也正在逐步聚集,一旦房价下降可能会引发银行信用危机、清偿能力危机等,甚至导致整个金融系统动荡。从商业银行的角度,分析房地产贷款风险的成因及其传导,并提出政策和建议。商业银行应充分关注房地产贷款背后潜在风险,及时修正信贷发放漏洞,完善信贷流程,减少和分散房地产信贷风险。论文重点从风险的一般理论、风险的特性和商业银行房地产开发贷款风险的定义入手,分析了商业银行房地产开发贷款风险的特征、风险分类、风险来源和风险成因。在构建商业银行房地产开发贷款项目风险评价指标体系的基础上,对××房地产开发项目的贷款风险进行了评估。并依据风险管理理论提出了构建新型信贷文化、关注政府政策变化、加强业务人员素质、强化贷款结构等措施。本文的研究能够为商业银行对于房地产开发贷款风险的防范提供可供借鉴的建议。
[Abstract]:The real estate is a long period and a large number of high investment operation activities , while our country ' s real estate finance system is dominated by the bank . The investment and speculation have been over , pushing the housing price one way irrational and fast going up , seriously divorced from the economic growth and the people ' s income level . In the meantime , the bank loan provides the most important source of finance for the high - speed development of the real estate market . This paper starts with the general theory of risk , the characteristic of risk and the definition of the loan risk of commercial bank real estate development , analyzes the characteristics , risk classification , risk source and risk cause of the loan risk of commercial bank real estate development . Based on the construction of the risk evaluation index system of commercial bank real estate development loan project , the paper puts forward the measures to build a new credit culture , pay attention to the change of government policy , strengthen the quality of business personnel and strengthen the loan structure . The research of this paper can provide reference for commercial bank ' s prevention of real estate development loan risk .

【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F299.23;F832.33

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