G商业银行住房按揭贷款风险识别及防范研究

发布时间：2018-05-17 20:47

本文选题：商业银行 + 住房按揭贷款　；参考：《重庆理工大学》2014年硕士论文

【摘要】：从1998年住房体制改革至今，我国的商品房产业已经逐渐发展成了国民经济的支柱产业之一，在其带动之下，个人住房按揭贷款业务也迅速发展。近年来，个人住房按揭贷款占商业银行贷款总额的比重也不断提高。国际公认个人住房按揭贷款违约风险高发期为贷款后5—8年，因此，我国目前正处于个人住房按揭贷款违约的高发阶段，加之房地产开发企业融资渠道狭窄、部分地区房价上涨过快、银行短存长贷、法律保障体制不完善、抵质押物处置困难等问题，使得我国个人住房按揭贷款的风险正在逐步显现。而这些风险将首先影响银行的资金安全，甚至会扰乱整个国民经济安全运行体系。从现有研究可以看出，随着资产泡沫加剧、土地财政、经济危机等因素的重合交错影响，我国个人住房按揭贷款尚存在一定的风险。因此，，商业银行个人住房按揭贷款的风险普遍存在，学术界已经有了部分的研究成果。然而，上述研究多是从某个具体的角度出发，并没有梳理出一个全面的系统框架来解决个人住房按揭贷款的风险问题。因此，本文的研究将弥补上述缺陷，结合G银行运营的实际状况，着重从市场风险、信用风险和操作风险3个方面进行分析研究，以识别G银行经营个人住房按揭贷款业务所面临的三大风险，通过分析G银行现有三大风险控制体系存在的问题，提出相应的业务经营及风险防范措施以促进整个银行业个人住房按揭贷款业务的发展。
[Abstract]:Since the reform of housing system in 1998, the commercial housing industry in China has gradually developed into one of the pillar industries of the national economy. In recent years, the proportion of personal housing mortgage loans to the total loans of commercial banks is also increasing. The internationally recognized period of default risk of individual housing mortgage loan is 5-8 years after loan. Therefore, our country is in the high risk stage of individual housing mortgage loan default at present, and the financing channel of real estate development enterprise is narrow. Some problems such as excessive rise in house prices, short deposits and long loans in banks, imperfect legal security system, and difficulties in disposing of pledge make the risks of personal housing mortgage loans in our country gradually appear. These risks will affect the bank's capital security first and even disrupt the whole national economy's safe operation system. It can be seen from the existing studies that with the combination of asset bubbles, land finance, economic crisis and other factors, there are still some risks in personal housing mortgage loans in China. Therefore, the risk of individual housing mortgage loans in commercial banks is widespread, and some research results have been made in academia. However, most of the above studies are from a specific point of view, and did not comb out a comprehensive system framework to solve the risk of individual housing mortgage problems. Therefore, the research in this paper will make up for the above defects, combining with the actual situation of G bank operation, focusing on three aspects of market risk, credit risk and operational risk. In order to identify the three major risks that G Bank faces in its personal housing mortgage loan business, and analyze the problems existing in the existing three risk control systems of G Bank, The corresponding business management and risk prevention measures are put forward to promote the development of individual housing mortgage loan business in the whole banking industry.
【学位授予单位】：重庆理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.479

【参考文献】