邯郸建行房地产信贷业务风险控制研究

发布时间：2018-07-09 16:51

本文选题：商业银行 + 房地产　；参考：《华中科技大学》2012年硕士论文

【摘要】：商业银行的房地产信贷业务曾为我国拉动经济增长，繁荣房地产市场起到了积极作用，，但面对经济下行、转变经济发展方式、强化房地产市场调控的现实要求下，信贷风险压力正不断增加，如何在稳定发展房地产信贷业务的同时，又能识别、防范和化解信贷风险，成为当前需要重点研究和解决的问题。本文在已有国内外研究成果的基础上，采用理论与实践相结合、宏观分析与现状剖析相结合、规范性论述与具体实证分析相结合的方法进行了研究。一方面通过对商业银行房地产信贷业务风险状况、主要风险点及产生根源进行分析，提出风险防控体系在宏观层面的具体要求，主要包括确定合理的信贷规模，建立房地产信贷业务准入制度，完善授信过程中相互制衡的管理机制以及加强项目资金封闭化管理等；另一方面，结合邯郸建行所处地域市场特点，运用多组实际数据的对比分析，揭示区域内房地产市场发展特点、信贷业务风险状况，在具体经营层面提出防范和化解风险的有效途径，并重点对贷款项目在贷前、贷中和贷后三个环节所涉及到的防控重点进行了深入探索；同时，运用实际工作中的实例具体阐述了风险控制措施在具体实践中的应用，并对现实风险控制中存在的问题进行了论述分析，提出了完善风险控制措施的意见和建议。
[Abstract]:The real estate credit business of commercial banks has played a positive role in stimulating economic growth and prospering the real estate market in our country. However, in the face of the economic downturn, changing the mode of economic development and strengthening the regulation and control of the real estate market, The pressure of credit risk is increasing constantly. How to identify, prevent and resolve the credit risk while developing the real estate credit business stably becomes the key problem that needs to be studied and solved at present. On the basis of existing research results at home and abroad, this paper studies the methods of combining theory with practice, macro analysis with current situation analysis and normative discussion with concrete empirical analysis. On the one hand, by analyzing the risk situation, the main risk points and the origin of the commercial bank's real estate credit business, the paper puts forward the specific requirements of the risk prevention and control system at the macro level, mainly including the determination of the reasonable credit scale. To establish a system of access to real estate credit business, to improve the management mechanism of checks and balances in the process of granting credit, and to strengthen the closed management of project funds; on the other hand, considering the characteristics of the regional market of Handan Construction Bank, By using the comparative analysis of many groups of actual data, this paper reveals the development characteristics of the real estate market in the region, the risk situation of the credit business, puts forward the effective ways to prevent and resolve the risk in the concrete management level, and focuses on the loan project before the loan. The key points of prevention and control involved in the three links of loan and loan are deeply explored, and at the same time, the application of risk control measures in concrete practice is expounded with practical examples. The problems existing in the real risk control are discussed and analyzed, and the suggestions and suggestions for perfecting the risk control measures are put forward.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.45

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