秦皇岛建行个人住房贷款风险防控研究

发布时间：2018-01-07 16:27

本文关键词：秦皇岛建行个人住房贷款风险防控研究　出处：《燕山大学》2014年硕士论文　论文类型：学位论文

【摘要】：个人住房贷款是商业银行的战略性业务，也是重要的利润来源，发展个人住房贷款对商业银行调整资产收入结构、加快业务转型有着重要意义。建设银行作为国内最早开办个人住房贷款的银行，至今发展依然迅猛。面对当前多变的经济、金融形势，研究个人住房贷款不良成因，制定相关办法，加强个人住房贷款管制，回避相关业务风险，提升资产质量，已成为当务之急。苯文结合秦皇岛建行业务实际，认真剖析个人住房贷款风险防范措施，具有较强的理论性、实践性和实用性。本文针对当前秦皇岛建行个人住房贷款风险防控进行研究，内容如下：首先，，明确了本文的研究意义，梳理了国内外个人住房贷款风险防控研究发展状况，阐述了研究的内容及分析的方法，为后续内容奠定了理论基础。其次，对商业银行个人住房贷款风险含义及特征进行详细介绍后，分析了个人住房贷款风险分类，为探寻其防控措施做好基础。再次，阐述了秦皇岛建行个人住房贷款风险防控存在的问题，参考秦皇岛建行个人住房贷款风险防控现状，分析贷款违约因素，做出防控方案设计，包括建立个人住房贷款风险评级体系、贷后管理体系及进行压力测试。最后，分别从打造先进风险管理文化、完善风险管理制度、加强市场研判、完善内控管理机制等方面制定出确保资金管理体系顺利实施的各项保证措施，为风险防控方案的顺利实施提供有力保障。
[Abstract]:Personal housing loan is a strategic business of commercial banks, but also an important source of profits, the development of personal housing loans to commercial banks to adjust the structure of asset income. It is of great significance to accelerate the business transformation. China Construction Bank, as the earliest individual housing loan bank in China, is still developing rapidly. In the face of the changing economy, the financial situation. To study the causes of bad personal housing loans, formulate relevant measures, strengthen the control of personal housing loans, avoid related business risks, improve the quality of assets, has become an urgent matter. Benwen combined with Qinhuangdao Construction Bank business practice. Serious analysis of personal housing loan risk prevention measures, with strong theoretical, practical and practical. In this paper, the current Qinhuangdao Construction Bank personal housing loan risk prevention and control research, the contents are as follows: First of all, the significance of this study is clarified, and the development of risk prevention and control of individual housing loans at home and abroad is reviewed. The contents and analysis methods of the research are expounded, which lays a theoretical foundation for the subsequent content. Secondly, after introducing the meaning and characteristics of personal housing loan risk in commercial banks in detail, this paper analyzes the classification of individual housing loan risk, and makes a good foundation for exploring its prevention and control measures. Thirdly, the paper expounds the problems of personal housing loan risk prevention and control of Qinhuangdao Construction Bank, referring to the current situation of Qinhuangdao Construction Bank personal housing loan risk prevention and control, analyzes the loan default factors, and makes the design of prevention and control scheme. Including the establishment of personal housing loan risk rating system, post-loan management system and stress testing. Finally, from the creation of advanced risk management culture, improve risk management system, strengthen market research, improve internal control management mechanism and other aspects to ensure the smooth implementation of the fund management system. To provide a strong guarantee for the smooth implementation of the risk prevention and control program.
【学位授予单位】：燕山大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.479

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