湘西州住房公积金贷款风险预警研究

发布时间：2018-02-28 16:35

本文关键词： 住房公积金贷款风险指标体系预警系统　出处：《吉首大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着住房公积金制度对促进我国住房制度改革,完善有中国特色的政策性住房金融体系,解决亿万居民的住房困难发挥积极作用,本文通过分析公积金贷款风险的主要类型及公积金贷款风险产生的主体行为表现,建立健全住房公积金贷款风险预警机制,对所选的24个指标进行量化。按照一般的分级原则,确定了贷款风险分数对应的风险级别和预警等级。将住房贷款风险与商业贷款风险进行比较分析,归纳住房贷款风险的独有特征,并针对湘西州住房公积金贷款风险存在的具体问题进行分析,以构建科学、全面的湘西州住房公积金贷款风险预警指标体系。最后在确定的预警指标体系和预警等级的基础上,设计了住房公积金贷款风险预警系统,以风险预警相关的理论为基础,结合住房公积金贷款的实际情况,设计了住房公积金贷款风险预警系统软件,并利用实际数据对系统进行了测试与验证。经调查发现目前住房公积金中心还没有发现有使用住房公积金贷款风险预警系统,本文开发的住房公积金贷款风险预警系统可为公积金中心的风险管理提供重要的帮助,切实有效防范互访公积金贷款风险,助推管理中心住房贷款业务的良好发展,保证职工住房公积金保值增值,切实帮助中低收入阶的职工解决住房问题,进而提高人民群众的安居水平。
[Abstract]:With the housing accumulation fund system playing an active role in promoting the reform of our housing system, perfecting the policy-oriented housing financial system with Chinese characteristics, and solving the housing difficulties of hundreds of millions of residents, By analyzing the main types of loan risk of accumulation fund and the main behavior of the risk of loan of accumulation fund, this paper establishes and perfects the early-warning mechanism of loan risk of housing provident fund, quantifies the 24 indexes selected, and according to the general classification principle, The risk level and warning level corresponding to the loan risk score are determined. The housing loan risk and commercial loan risk are compared and analyzed, and the unique characteristics of housing loan risk are summarized. In order to construct a scientific and comprehensive early-warning index system of housing provident fund loan risk in Xiangxi, the paper analyzes the concrete problems existing in the loan risk of housing accumulation fund in Xiangxi. Finally, on the basis of the determined early-warning index system and early warning level, The risk early warning system of housing provident fund loan is designed. Based on the theory of risk early warning and the actual situation of housing provident fund loan, the risk early warning system software of housing provident fund loan is designed. The system has been tested and verified with actual data. After investigation, it was found that the housing provident fund center has not found a risk warning system for the use of housing provident fund loans. The housing provident fund loan risk early warning system developed in this paper can provide important help for the risk management of the accumulation fund center, effectively guard against the risk of mutual visit to the accumulation fund loan, and promote the good development of the housing loan business of the management center. To ensure that the housing accumulation fund of staff and workers maintain and increase value, to help workers of low and middle income level to solve housing problems, and then to improve the people's living standard.
【学位授予单位】：吉首大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F299.23;F832.479

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