农业银行湖南省分行房地产开发贷款风险管理研究

发布时间：2018-03-09 18:13

本文选题：房地产开发　切入点：信贷　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：房地产行业已经成为我国经济的支柱型产业。因为整个产业链条所需资金巨大,在我国目前的房地产金融格局下,房地产行业的资金来源主要是商业银行。但我国房地产经过近年的高速发展,已经出现了较大程度的泡沫,在当前国家房地产政策趋紧的大背景下,银行的房地产信贷风险开始显现。因此,结合农业银行湖南省分行的实际,深入研究其房地产开发贷款的风险管理问题意义重大。本文首先回顾了国内外关于房地产贷款风险研究的相关文献,概述了商业银行房地产信贷风险相关理论,对湖南省房地产市场情况和农业银行湖南省分行房地产开发贷款业务发展状况进行了总体分析,重点探讨了农业银行湖南省分行的房地产开发贷款风险的成因,最后针对商业银行信贷风险管理,从把握宏观风险、控制集团客户风险和强化信贷流程控制三方面提出了针对性的管理建议。
[Abstract]:The real estate industry has become the pillar industry of our country's economy. Because of the huge capital needed by the whole industrial chain, under the current real estate finance pattern of our country, Commercial banks are the main sources of funds for the real estate industry. However, after rapid development in recent years, there has been a relatively large degree of bubble in China's real estate industry. Under the background of the tightening of national real estate policies, Therefore, it is of great significance to study the risk management of real estate development loans in Hunan Branch of Agricultural Bank of China. This paper first reviews the domestic and foreign literature on the risk of real estate loans, summarizes the commercial bank real estate credit risk related theory, This paper makes a general analysis on the real estate market situation of Hunan Province and the development of real estate development loan business in Hunan Branch of Agricultural Bank of China, and probes into the causes of the risk of real estate development loan in Hunan Branch of Agricultural Bank of China. Finally, aiming at the credit risk management of commercial banks, this paper puts forward some pertinent management suggestions from three aspects: grasping macro risk, controlling group customer risk and strengthening credit flow control.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.45

【参考文献】