我国商业银行个人住房贷款风险管理研究
发布时间：2018-10-24 11:17
【摘要】：随着我国房地产市场的发展，商业银行开展个人住房贷款是以房产作为抵押物，由于当前阶段房价处于不停上涨的周期，个人住房贷款的不良率相对比较低，个人住房贷款也成为各家银行竞相争夺的优质业务，因此有些贷款银行放松了对个人住房贷款的风险管理。美国的次贷危机就起源于银行疏忽了防范个人住房贷款的风险，导致其严重后果，，也向我国商业银行发出了警示，必须及时加强对个人住房贷款的风险管理，并提升银行风险管理的水平。因此，研究个人住房贷款风险管理问题就具有很强的现实意义和应用性。 本文以对商业银行个人住房贷款风险的影响因素研究为主线，在借鉴国内外已有的研究成果基础上，从个人住房贷款风险成因的各个因素切入，从商业银行风险管理的视角，剖析了影响商业银行个人住房贷款风险的关键因素，以及这些因素导致违约风险的作用机理。借鉴国外个人住房贷款的先进经验，结合我国的实际情况，对商业银行的个人住房贷款的风险进行了研究，并且运用比较分析等技术手段对样本的数据进行分析实证，为我国商业银行完善自身的风险管理机制、建立个人信用体系，提出了构想以及可行的建议与对策。
[Abstract]:With the development of the real estate market in China, commercial banks take real estate as collateral to carry out personal housing loans. Due to the rising housing prices in the current period, the bad rate of personal housing loans is relatively low. Personal housing lending has also become a competition among banks for quality business, so some lenders have loosened risk management for personal housing loans. The subprime mortgage crisis in the United States originated from the banks neglecting to guard against the risk of personal housing loans, which led to its serious consequences. It also issued a warning to our commercial banks that the risk management of personal housing loans must be strengthened in a timely manner. And raise the level of bank risk management. Therefore, the study of personal housing loan risk management has a strong practical significance and application. Based on the research of the influencing factors of commercial banks' personal housing loan risk, this paper draws lessons from the existing research results at home and abroad, cuts into the causes of individual housing loan risks, and from the perspective of commercial bank risk management. This paper analyzes the key factors affecting the risk of individual housing loan in commercial banks and the mechanism of these factors leading to default risk. Referring to the advanced experience of foreign individual housing loan and combining the actual situation of our country, this paper studies the risk of individual housing loan of commercial bank, and uses comparative analysis and other technical means to analyze the sample data. This paper puts forward some suggestions and countermeasures for Chinese commercial banks to perfect their own risk management mechanism and establish personal credit system.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.45
本文编号：2291238
[Abstract]:With the development of the real estate market in China, commercial banks take real estate as collateral to carry out personal housing loans. Due to the rising housing prices in the current period, the bad rate of personal housing loans is relatively low. Personal housing lending has also become a competition among banks for quality business, so some lenders have loosened risk management for personal housing loans. The subprime mortgage crisis in the United States originated from the banks neglecting to guard against the risk of personal housing loans, which led to its serious consequences. It also issued a warning to our commercial banks that the risk management of personal housing loans must be strengthened in a timely manner. And raise the level of bank risk management. Therefore, the study of personal housing loan risk management has a strong practical significance and application. Based on the research of the influencing factors of commercial banks' personal housing loan risk, this paper draws lessons from the existing research results at home and abroad, cuts into the causes of individual housing loan risks, and from the perspective of commercial bank risk management. This paper analyzes the key factors affecting the risk of individual housing loan in commercial banks and the mechanism of these factors leading to default risk. Referring to the advanced experience of foreign individual housing loan and combining the actual situation of our country, this paper studies the risk of individual housing loan of commercial bank, and uses comparative analysis and other technical means to analyze the sample data. This paper puts forward some suggestions and countermeasures for Chinese commercial banks to perfect their own risk management mechanism and establish personal credit system.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.45
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