基于风险矩阵的地产信贷项目风险评估研究

发布时间：2018-03-07 03:21

本文选题：地产信贷项目　切入点：风险评估　出处：《东北大学》2012年硕士论文　论文类型：学位论文

【摘要】：贷款是商业银行最重要的资产,通常占全部资产的60%以上,是为客户提供最重要的业务之一,是为商业银行带来最大利润的业务,也是风险最大的业务之一。商业银行进行贷款业务时,对贷款流程的每个环节都要做到安全。信贷项目的风险评估是保障商业银行的收益和信誉进而保障公众存款利益的一个重要的不可或缺的手段。国务院发布《关于进一步深化城镇住房制度改革加快住房建设的通知》以后,房地产行业成为国民经济中不可或缺的支柱性产业。各方投资者都对房地产行业进行大量投入,房地产贷款业务也因此成为我国金融业的重要授信业务之一。然而,当前房地产贷款业务投放规模的扩大化、开办时间的延伸,高负债经营的地产企业信用等级不断降低,风险随之加大,地产贷款也进入了国际公认的信用风险高发期。如何防范我国商业银行房地产贷款的风险已是亟待解决的重要问题,严重影响我国银行体系的稳定和国民经济的发展。本文在分析中行沈阳中山支行信贷项目特别是地产项目风险评估方法改进的必要性和可行性的基础上,对中行沈阳中山支行信贷项目特别是地产项目风险评估方法现存问题进行全面剖析,引进并给出中行沈阳中山支行地产信贷项目风险评估手段——风险矩阵方法。设计中行沈阳中山支行地产信贷项目风险评估方法,考虑到中行沈阳中山支行地产信贷项目风险评估方法涉及的内容比较广泛,部门繁杂,人员较多等因素,给出中行沈阳中山支行地产信贷项目风险评估方法体系实施的条件、办法及配套制度,以期解决中行沈阳中山支行信贷项目特别是地产项目风险评估方法现代化的建设和实施问题,使得巴塞尔的预期损失模型得到有效运用。通过研究中行沈阳中山支行信贷项目特别是地产项目风险评估方法,为中行建立符合现代商业银行要求的经营管理体制战略目标的顺利实施提供有力保障,也为国内其他商业银行信贷项目风险评估方法改进提供新思路。
[Abstract]:Loans are the most important assets of commercial banks, which usually account for more than 60% of the total assets. It is one of the most important businesses to provide customers with the most profits for commercial banks. It is also one of the riskiest businesses. When commercial banks make loans, The risk assessment of credit projects is an important and indispensable means to protect the profits and reputation of commercial banks and then to protect the public deposit interests. After further deepening the reform of urban housing system and speeding up housing construction, The real estate industry has become an indispensable pillar industry in the national economy. Investors from all sides have invested a lot in the real estate industry, so the real estate loan business has become one of the important credit business in the financial industry of our country. However, With the expansion of the scale of the real estate loan business and the extension of the start-up time, the credit rating of the highly indebted real estate enterprises has been continuously reduced, and the risks have increased. Real estate loan has also entered the period of high credit risk which is recognized internationally. How to prevent the risk of real estate loan from commercial banks in our country is an important problem to be solved which seriously affects the stability of our banking system and the development of national economy. Based on the analysis of the necessity and feasibility of the improvement of the risk assessment method of the Bank of China's Shenyang Zhongshan Branch credit project, especially the real estate project, This paper makes a comprehensive analysis of the existing problems in the credit projects of Bank of China Shenyang Zhongshan Branch Bank, especially the risk assessment methods of real estate projects. The risk matrix method of real estate credit project risk assessment of Shenyang Zhongshan Branch of Bank of China is introduced and given, and the risk assessment method of real estate credit project of Shenyang Zhongshan Branch of Bank of China is designed. Considering that the risk assessment method of real estate credit project of Shenyang Zhongshan Branch of Bank of China involves a wide range of contents, complicated departments and many personnel, the conditions for the implementation of the risk assessment method system of real estate credit project of Shenyang Zhongshan Branch of Bank of China are given. In order to solve the problem of the construction and implementation of the credit project of Zhongshan Branch of Bank of China Shenyang Zhongshan Branch especially the risk assessment method of real estate project the expected loss model of Basel can be used effectively. By studying the credit project of Zhongshan Branch of Bank of China Shenyang, especially the risk assessment method of real estate project, this paper provides an effective guarantee for the successful implementation of the strategic goal of establishing a management system that conforms to the requirements of modern commercial banks. It also provides new ideas for the improvement of credit project risk assessment methods of other domestic commercial banks.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F299.23;F832.4

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