中国建设银行苏州吴中支行绿洲花园开发项目贷款风险控制研究

发布时间：2018-01-05 22:20

本文关键词：中国建设银行苏州吴中支行绿洲花园开发项目贷款风险控制研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：房地产行业是国家重要的支柱发展行业之一。但这其中需要大量的开发投资数量庞大,如果仅仅依赖房地产开发商或者某些公司是不能实现项目投放运转的。因此,银行成为了开发商最佳的选择。房地产项目具备投资庞大,资金回笼期限较长,上下游关系的面较广的特点。因此,项目投放过程蕴含着很大的风险。如果银行或企业不能及时解读国家及行业政策,或者不能很好对贷款过程实现管控。那么就有可能会出现贷款疏漏,导致企业无法正常归还贷款。造成巨大的贷款违约事项。基于此背景,本文通过研究中国建设银行苏州吴中支行对中国新型建筑集团绿洲花园房地产开发项目贷款的风险控制为基础,开展中国建设银行苏州吴中支行对中国新型建筑集团绿洲花园房地产开发项目贷款的风险识别、风险评估研究工作,最后,为保障并控制建行绿洲花园房地产开发项目贷款的风险,提出若干风险控制措施。房地产贷款风险控制研究的首要是考察房地产开发企业的运营和资信状况,还有特定房贷项目的情况。本文首先对绿洲花园项目的情况进行说明,接着对项目所属中国新型建筑集团基本情况及财务状况进行简单分析,也是银行项目贷款前期准入性工作。在介绍项目背景后,本文开展了中国建设银行苏州吴中支行对中国新型建筑集团绿洲花园项目贷款风险识别工作。银行在办理房地产开发项目贷款和风险识别时,具有很强阶段性,即房地产开发项目贷款不同阶段,风险也有差异,因此本文结合项目贷款流程开展风险识别。其中,贷前管理阶段风险点较少,主要风险集中在贷款企业的信用风险和银行的操作风险。贷后管理阶段风险点较多,也较为复杂,包括市场风险、操作风险。在对中国新型建筑集团绿洲花园项目贷款风险识别的基础上,本文从银行视角出发,基于银行项目贷款流程,进行绿洲花园项目贷款风险识别及评估。贷款项目风险主要包括市场风险、信用风险和操作风险。其中,由于国家货币政策逐步收紧以及一、二线城市房地产调控加剧,绿洲花园项目贷款具有一定的市场风险,但风险可控。其他信用风险、操作风险则相对较小。最后,针对中国建设银行苏州吴中支行对中国新型建筑集团绿洲花园项目贷款存在的风险,以及防控商业银行地产开发项目贷款普遍可能出现的风险,基于针对性原则,提出了风险控制措施。包括市场风险控制措施、信用风险控制措施、操作风险控制措施。
[Abstract]:The real estate industry is one of the important pillar industry development. But this one needs lots of large number of development investment, if only rely on real estate developers or some companies may not be able to achieve the project put in operation. Therefore, the bank has become the best choice for real estate developers. The project has huge investment, long term capital return, characteristics the downstream relationship wide. Therefore, the project delivery process contains a great risk. If the banks or enterprises can not be timely interpretation of national and industrial policies, or not very good in the lending process pipe control. Then there may appear loan omissions, causes the enterprise not to repay the loan. Loan default caused great matters based on this background, through the research of the Construction Bank branch of Suzhou Wuzhong Chinese China new building group Oasis Garden real estate development project loans The risk control as the basis, to carry out the Construction Bank branch of Suzhou Wuzhong China Chinese new building group Oasis Garden real estate development project loan risk identification, risk assessment, at the end of the study, for the protection and risk control of CCB Oasis Garden real estate development project loans, put forward some risk control measures. Research on risk control of real estate loans the first is to investigate the real estate development business operations and credit status, as well as specific mortgage project. Firstly, the oasis garden project are described, and then gives a simple analysis of the project belongs to China's new building group, the basic situation and the financial situation, the bank loan is pre entry work. In the project background then, this paper carried out the Construction Bank branch of Suzhou Wuzhong Chinese China new building group oasis garden project loan risk identification Work. The bank in the process of real estate development project loans and risk identification, has a strong stage, the real estate development project loan risk in different stages, there are also differences, so this paper combines the project loan process to carry out risk identification. Among them, before the loan risk management stage is relatively small, mainly concentrated in the enterprise operational risk loan risk the credit risk and bank loan management. The risk points more, is also more complex, including market risk, operational risk. Based on the China new building group oasis garden project loan risk identification, this paper from the angle of view of the bank, the bank loan process based on risk identification and evaluation of oasis garden project loans. The loan project risks include market risk, credit risk and operational risk. Among them, because the country is a gradual tightening of monetary policy and a second tier city, real estate regulation and Drama, oasis garden project loan has a market risk, but the risk is controllable. Other credit risk, operational risk is relatively small. Finally, aiming at the risk of the Construction Bank branch of Suzhou Wuzhong Chinese Chinese new building group oasis garden project loan risk control of commercial banks, and real estate development project loans generally possible, based on according to the principle, put forward the risk control measures including market risk control measures, credit risk control, operational risk control measures.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【相似文献】