哈尔滨银行沈阳N支行房地产信贷业务风险调研报告

发布时间：2018-05-25 01:35

本文选题：房地产信贷风险 + 商业银行　；参考：《辽宁大学》2014年硕士论文

【摘要】：1998年，我国实行住房商品化，房地产行业得到了极大的发展，房地产市场呈现一片繁荣，房价大幅上涨。随着国民生活水平的提高，，房地产业恰好满足了国民的资金流动需求，这就导致了大量的房地产开发企业向商业银行贷款开发项目，这时的商业银行的作用愈加重要。但同时，由于国家宏观政策的调控，房地产业慢慢降温，使得房地产开发企业资金运转出现问题，加大了商业银行的房地产信贷风险爆发的几率。文章基于房地产信贷业务风险产生的理论基础，以哈尔滨银行N支行为例，采用调研报告的形式，分析了在该地区房地产信贷风险形成的原因，并对房地产信贷风险影响因素进行了量化分析，以直观的数字化为媒介，发现、整理问题，降低信贷风险发生的概率。本文共分为五个部分：第一部分，介绍了哈尔滨银行及N支行的调查情况，首先描述了调研背景、调研目的及意义，引出风险；然后介绍了哈尔滨银行及N支行的资产情况等问题及调查时间和调查方式。第二部分，介绍了当地经济情况及城市建设情况，介绍了哈尔滨银行面临的房地产信贷风险现状，并结合现实情况分析了增大该银行面临的信贷风险的原因。第三部分，首先从调查问卷的得分情况计算权重，得到对哈尔滨银行房地产信贷风险最大的影响因素——企业财务状况，然后从企业财务状况中选取5项指标，并对设定的16个变量2008年到2013年数据进行未来一年的预测，画出走势图，直观的分析这些变量、指标对该银行未来的风险影响。第四部分，根据上一部分得到的结论，对哈尔滨银行N支行信贷业务风险问题，从客户、银行角度提出解决建议，进行风险防控，并对国家政策改进进行合理的预想。
[Abstract]:In 1998, our country implemented the housing commercialization, the real estate industry obtained the great development, the real estate market presents a prosperity, the house price rises substantially. With the improvement of the national living standard, the real estate industry just meets the demand of the national capital flow, which leads to a large number of real estate development enterprises to the commercial bank loan development project, at this time, the commercial bank's function becomes more and more important. But at the same time, because of the national macro-control policy, the real estate industry is cooling down slowly, which makes the real estate development enterprise run the fund problem, and increases the probability of the commercial bank's real estate credit risk erupting. Based on the theoretical basis of the risk generation of real estate credit business, taking Harbin Bank N Branch as an example, the paper analyzes the reasons for the formation of real estate credit risk in this area by using the form of investigation report. The paper also analyzes the influencing factors of real estate credit risk quantitatively, finds out and sorts out the problems and reduces the probability of credit risk taking the visual digitization as the medium. This paper is divided into five parts: The first part introduces the investigation of Harbin Bank and N Branch, first describes the research background, research purpose and significance, leading to risk; Then it introduces the assets of Harbin Bank and N Branch, and the investigation time and method. In the second part, the author introduces the local economic situation and urban construction, introduces the present situation of real estate credit risk faced by Harbin Bank, and analyzes the reasons for increasing the credit risk faced by Harbin Bank. In the third part, the author calculates the weight from the score of the questionnaire, obtains the biggest influencing factor to the real estate credit risk of Harbin bank-enterprise financial situation, and then selects five indexes from the enterprise financial condition. The data of 16 variables from 2008 to 2013 are predicted for the next year, and the trend chart is drawn to analyze these variables intuitively and the impact of indicators on the future risk of the bank. The fourth part, according to the conclusions obtained in the previous part, from the perspective of customers and banks, put forward some suggestions to solve the problem of credit risk of Harbin Bank N Branch, carry out risk prevention and control, and make a reasonable expectation to the improvement of national policy.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23;F832.45

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