G银行长春分行个人住房贷款业务的风险管理研究

发布时间：2018-03-14 13:06

本文选题：商业银行　切入点：个人住房贷款　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：自1998年住房体制改革以来,我国的房地产市场从无到有,实现了跨越式的飞速发展。二十年间,商业银行的个人住房贷款业务为房地产市场和国民经济的发展提供了巨大的融资支持。与个人住房贷款业务的高速发展相伴随的是其违约风险的日益增加。尤其是近些年来,在我国进行房地产深度调控的大背景下,个人住房贷款所具有的风险正在逐渐显现,对其展开深入细致的研究具有十分重大的理论及现实意义。本文以G银行长春分行为研究对象,首先通过阐述个人住房贷款风险管理的概念、内涵、体系及方法等内容,为后续的G银行长春分行个人住房贷款风险管理的问题研究奠定了理论基础。其次,结合G银行长春分行的现状,分析总结其在个人住房贷款风险管理方面存在的问题及成因。再次,基于G银行长春分行在整个贷款流程风险管理中存在的问题,提出了一系列解决方案,如建立更加严格的资金流向监管制度及开发商准入制度、加强人员培训、引入保险担保机制、加强银行的电子化建设等措施。通过本文的研究,可以完善银行的风险控制体系、提高银行的个人住房贷款管理能力及风险控制能力,保障银行的健康稳健运营,促进银行更加快速发展。
[Abstract]:Since the reform of housing system in 1998, the real estate market of our country has developed rapidly from scratch. 20 years, The individual housing loan business of commercial banks provides huge financing support for the development of real estate market and national economy. The rapid development of individual housing loan business is accompanied by the increasing risk of default, especially in recent years. Against the background of deep real estate regulation in China, the risks of personal housing loans are gradually becoming apparent. It is of great theoretical and practical significance to carry out a thorough and meticulous study on it. This paper takes Changchun Branch of G Bank as the research object, first of all, by elaborating the concept, connotation, system and method of personal housing loan risk management, etc. It lays a theoretical foundation for the subsequent research on the risk management of individual housing loan in Changchun Branch of G Bank. Secondly, combining with the current situation of Changchun Branch of G Bank, Thirdly, based on the problems of risk management in the whole loan process of G Bank Changchun Branch, a series of solutions are put forward. For example, establishing a more strict supervision system of capital flow to developers, strengthening personnel training, introducing insurance guarantee mechanism, strengthening the electronic construction of banks, etc. Through the research of this paper, the risk control system of banks can be improved. To improve the ability of individual housing loan management and risk control, to ensure the healthy and stable operation of banks, and to promote the rapid development of banks.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.479;F299.23

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