C银行N支行住房按揭贷款风险控制研究

发布时间：2018-01-04 19:42

本文关键词：C银行N支行住房按揭贷款风险控制研究　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：长久以来,由于有房屋作为抵押担保,房地产贷款一度被认为是风险极小的贷款,然而近些年来,我国的房产交易市场火爆,房价也一路飘升,同时,在相关房贷利率政策的引导下,商业银行也无形中促进了房地产业的发展。迅速增高的房价吸引了越来越多的投资客来购买房屋,房贷的数量占了银行贷款的大半部分,这使得一部分市场风险和房产泡沫风险转嫁给了银行。因此,商业银行在当前的经济形势下,对房贷的风险把控必须要有新的认识,新的措施,有效的防范房地产贷款的风险不仅仅是关乎到商业银行自身利益,更加关乎到中国经济的健康持续发展。本文对于住房按揭贷款风险管理的研究不仅仅在理论层面,更具体到C银行N支行的实践层面,对于在当前房贷形势下该银行的风险管理具有实际意义,同时,也可以推广到同行业的其他商业银行,使得当前形势下的住房按揭贷款所带来的潜在风险得到有效控制。本文以对于个人住房贷款风险管理的研究是基于C银行N支行实际业务的基础上的,主要是通过理论分析,归纳总结C银行N支行在住房按揭贷款风险管理方面存在的问题,分析问题产生的原因,并提出适合C银行N支行的风险管理改进建议,提高整个支行在该项业务上的风险把控能力。住房按揭贷款的风险点有很多,本文重点分析了该业务中容易出现风险的重点环节,结合实际案例分析问题,本文还创新建议C银行N支行应当与其他同业的银行组成同业风险管理联盟,使行业内对于银行的住房按揭贷款风险管理有一个相对统一的标准。同时本文在分析C银行N支行的住房按揭贷款业务的风险产生的原因时加入了实际案例,并且针对C银行N支行在住房按揭贷款业务上存在的一些问题,提出了最新的改进的措施和建议,可以提高本行的住房贷款风险管理水平,在当前国内房地产市场火爆发展和国家宏观政策调控共存的新形势下,有一定的时效性和借鉴意义。
[Abstract]:For a long time, as a result of housing as collateral, real estate loans were once considered to be very small risk loans. However, in recent years, the real estate market in China has been booming, housing prices have also gone up all the way, at the same time. Under the guidance of the related mortgage interest rate policy, commercial banks also promote the development of the real estate industry. The rapidly rising house prices attract more and more investors to buy houses. The amount of housing loans accounts for a large part of bank loans, which makes some of the market risk and property bubble risk passed on to the banks. Therefore, commercial banks in the current economic situation. The risk control of housing loans must have a new understanding, new measures, effective prevention of real estate loans risk is not only related to the interests of commercial banks themselves. It is more related to the healthy and sustainable development of Chinese economy. The research on the risk management of housing mortgage loan in this paper is not only on the theoretical level, but also on the practical level of C Bank N Branch. It has practical significance for the risk management of the bank under the current housing loan situation, but also can be extended to other commercial banks in the same industry. Make the current situation of housing mortgage loans brought by the potential risk to be effectively controlled. This paper is based on the personal housing loan risk management based on the C Bank N branch of the actual business foundation. Mainly through the theoretical analysis, summarized the C Bank N Branch in housing mortgage loan risk management problems, analysis of the causes of the problem, and put forward appropriate C Bank N Branch risk management improvement recommendations. Improve the risk control ability of the whole branch in this business. There are a lot of risk points of housing mortgage loan. This paper focuses on the analysis of the key link of risk in the business, combined with the actual case analysis of the problem. This paper also proposes that C Bank N Branch should form an interbank risk management alliance with other interbank banks. So that there is a relatively uniform standard for housing mortgage risk management in the industry. At the same time, this paper adds an actual case to analyze the causes of the risk of housing mortgage loan business of C Bank N Branch. And in view of the C Bank N Branch in the housing mortgage loan business problems, put forward the latest improvement measures and suggestions, can improve the bank's housing loan risk management level. Under the new situation of the hot development of the domestic real estate market and the coexistence of the national macro-policy regulation and control, there is a certain timeliness and reference significance.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832.479

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