包商银行房地产信贷业务风险管理研究

发布时间：2018-01-13 21:11

本文关键词：包商银行房地产信贷业务风险管理研究　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：目前我国房地产市场已经聚集了大量的风险因素,并且这些风险因素直接承担者是各大商业银行。论文首先从我国房地产市场的特点出发,总结出我国商业银行房地产贷款特点、发展现状、风险成因以及具体的风险特征,在这个基础上,论文通过实证分析与理论说明结合的方法,基于包商银行房地产信贷业务现状与风险管理,对其产品特征、发展现状、市场情况、尤其是在风险管理体系构建方面进行详细的介绍和分析，按照包商银行目前现有房地产信贷业务相关风险预警、风险监控和风险管理系统,最终提出了防范我国房地产开发贷款风险、个人住房消费贷款风险以及包商银行内部风险的具体措施,以优化银行在房地产行业的信贷业务的管理和风险管理。
[Abstract]:At present, China's real estate market has gathered a large number of risk factors, and these risk factors are directly responsible for the major commercial banks. Firstly, this paper starts from the characteristics of China's real estate market. Summed up the characteristics of real estate loans of commercial banks in China, development status, risk causes and specific risk characteristics, on the basis of this, the paper through empirical analysis and theoretical explanation of the method of combination. Based on the current situation and risk management of the real estate credit business of the contractor bank, this paper introduces and analyzes its product characteristics, development status, market situation, especially the construction of the risk management system in detail. According to the current real estate credit business risk early warning, risk monitoring and risk management system, the contractor bank finally put forward to guard against the risk of real estate development loan in China. The specific measures of personal housing consumer loan risk and the internal risk of the contractor bank to optimize the management and risk management of the bank's credit business in the real estate industry.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.45

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