我国商业银行个人住房按揭贷款违约风险研究

发布时间：2018-06-30 06:34

本文选题：按揭贷款 + 风险　；参考：《西华大学》2012年硕士论文

【摘要】：从1998年住房体制改革至今，，我国的商品房产业已经逐渐发展成了国民经济的支柱产业之一，在其带动之下，个人住房按揭贷款业务也迅速发展。近年来，个人住房按揭贷款占商业银行贷款总额的比重也不断提高。国际公认个人住房按揭贷款违约风险高发期为贷款后5—8年，因此，我国目前正处于个人住房按揭贷款违约的高发阶段，加之房地产开发企业融资渠道狭窄、部分地区房价上涨过快、银行短存长贷、法律保障体制不完善、抵质押物处置困难等问题，使得我国个人住房按揭贷款的风险正在逐步显现。而这些风险将首先影响银行的资金安全，甚至会扰乱整个国民经济安全运行体系。基于此，本文试图通过对个人住房按揭贷款中与银行呈现三角关系的贷款人和开发商风险进行分析，从中发现问题，并针对银行业提出一些风险防范措施。与发达国家相比，我国关于个人住房贷款风险控制的研究发展较为缓慢，理论基础较薄弱，且多数集中在从银行的角度，按照内部操作流程、借款人还款能力评估和抵押物处置等方面进行分析，分析的范围比较狭窄，具有实际操作性的风险评价模型较少。本文增加了对房地产开发商风险的分析，拓宽了分析层面，使对我国个人住房按揭贷款风险的分析更加全面，并在此基础上建立了贷前调查阶段银行评价开发商及借款人风险评价的模型，提出了风险防范措施，为我国商业银行个人住房按揭贷款风险研究拓宽思路，促进风险防控理论的发展。目前，单一关注与银行直接发生信贷关系的借款人风险已经不能全面控制个人住房按揭贷款风险，与银行具有合作关系与贷款人具有买卖关系的房地产开发商风险已经逐渐显现，也应当引起银行的重点关注。通过本次研究，将对借款人及开发商两方面的风险进行分析，试图建立起一套更完善的个人住房按揭贷款风险评价体系，从而更全面的控制贷款风险，降低个人住房按揭贷款不良贷款率，保证银行信贷资金安全，为银行的个人住房按揭贷款风险评价和控制体系提供一些有益借鉴。
[Abstract]:Since the reform of housing system in 1998, the commercial housing industry in China has gradually developed into one of the pillar industries of the national economy. In recent years, the proportion of personal housing mortgage loans to the total loans of commercial banks is also increasing. The internationally recognized period of default risk of individual housing mortgage loan is 5-8 years after loan. Therefore, our country is in the high risk stage of individual housing mortgage loan default at present, and the financing channel of real estate development enterprise is narrow. Some problems such as excessive rise in house prices, short deposits and long loans in banks, imperfect legal security system, and difficulties in disposing of pledge make the risks of personal housing mortgage loans in our country gradually appear. These risks will affect the bank's capital security first and even disrupt the whole national economy's safe operation system. Based on this, this paper attempts to analyze the risk of lenders and developers who have triangular relationship with banks in personal housing mortgage loans, and find out the problems, and put forward some risk prevention measures for the banking industry. Compared with the developed countries, the research on the risk control of personal housing loan in China is relatively slow, the theoretical basis is relatively weak, and most of them are concentrated from the perspective of the bank, according to the internal operation process. The scope of the analysis is narrow, and the practical operational risk evaluation model is less. This paper increases the risk analysis of real estate developers, broadens the level of analysis, and makes the risk analysis of individual housing mortgage loans more comprehensive. On the basis of this, the paper establishes the risk evaluation model of bank evaluation of developers and borrowers in the stage of pre-loan investigation, and puts forward the risk prevention measures, which will broaden the thinking for the study of individual housing mortgage loan risk of commercial banks in China. To promote the development of risk prevention and control theory. At present, the single focus on the risk of borrowers who have a direct credit relationship with banks can no longer fully control the risk of individual housing mortgage loans. The risk of real estate developers who have cooperative relationship with banks and lenders with trading relationship has gradually appeared, which should also attract the attention of banks. Through this research, will carry on the analysis to the borrower and the developer two aspects risk, attempts to establish a set of perfect individual housing mortgage loan risk appraisal system, thus more comprehensively controls the loan risk, To reduce the non-performing loan rate of personal housing mortgage loan, to ensure the security of bank credit funds, and to provide some useful reference for the risk evaluation and control system of individual housing mortgage loan.
【学位授予单位】：西华大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【参考文献】