商业银行个人住房抵押贷款借款风险研究
发布时间：2018-08-24 11:15
【摘要】：随着房地产行业的快速发展和商业银行个人住房抵押贷款项目的不断对外开放,个人住房抵押贷款中的不良贷款风险成为商业银行关注的焦点。本文从商业银行抵押贷款中的个人住房抵押贷款进行分析,主要强调来自借款人本身的违约风险。本文基于主层次分析法,分析来自借款人自身风险的各个因素的作用强度,建立影响借款人还款因素的信用模型。为了得到准确的数据,利用调查问卷的方式搜集来自各商业银行员工以及个人住房抵押贷款借款人的数据。针对各个数据进行汇总分析,总结影响个人住房抵押贷款借款人违约的因素。最后根据出现的个人住房抵押贷借款人违约风险提出相应的解决对策。这些对策提高了银行对违约风险的防范意识,完善了银行内部的风险管理控制。
[Abstract]:With the rapid development of real estate industry and the opening to the outside world of individual housing mortgage loan projects of commercial banks, the risk of non-performing loans in personal housing mortgage loans has become the focus of commercial banks. This paper analyzes the individual housing mortgage loan in commercial bank mortgage loan, mainly emphasizes the default risk from the borrower itself. Based on the principal analytic hierarchy process (PCA), this paper analyzes the strength of the various factors from the borrower's own risk, and establishes the credit model of the borrower's repayment factors. In order to obtain accurate data, the questionnaire is used to collect data from commercial bank employees and individual mortgage borrowers. To sum up the factors that affect the default of individual mortgage borrowers. Finally, the corresponding countermeasures are put forward according to the default risk of individual mortgage borrowers. These countermeasures improve the bank's awareness of risk of default and improve the risk management and control within the bank.
【学位授予单位】：长春理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.45
本文编号：2200651
[Abstract]:With the rapid development of real estate industry and the opening to the outside world of individual housing mortgage loan projects of commercial banks, the risk of non-performing loans in personal housing mortgage loans has become the focus of commercial banks. This paper analyzes the individual housing mortgage loan in commercial bank mortgage loan, mainly emphasizes the default risk from the borrower itself. Based on the principal analytic hierarchy process (PCA), this paper analyzes the strength of the various factors from the borrower's own risk, and establishes the credit model of the borrower's repayment factors. In order to obtain accurate data, the questionnaire is used to collect data from commercial bank employees and individual mortgage borrowers. To sum up the factors that affect the default of individual mortgage borrowers. Finally, the corresponding countermeasures are put forward according to the default risk of individual mortgage borrowers. These countermeasures improve the bank's awareness of risk of default and improve the risk management and control within the bank.
【学位授予单位】：长春理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.45
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