Z银行内蒙古分行房地产信贷风险控制研究

发布时间：2018-01-28 23:09

本文关键词： 银行房地产信贷信贷风险风险防控　出处：《沈阳大学》2017年硕士论文　论文类型：学位论文

【摘要】：房地产是典型的资本和金融密集型产业,离开金融业的支持,房地产业的发展是难以为继的。房地产企业贷款从供给角度为房地产企业的发展提供了重要的支撑力量,而个人住房贷款的发展则为房地产业发展的需求实现提供了重要的保证。有关部门统计资料显示,我国房地产开发商通过各种渠道获得的银行资金占其资产的70%以上,房地产开发企业面临较为严重的负债经营问题。目前,我国的房地产企业的融资方式决定了市场风险和融资风险大分部集中在银行。因此,房地产信贷风险防控就显得尤为重要。本文运用定量和定性分析相结合的方法,通过对Z银行内蒙古分行房地产信贷风险现状的分析,从内外部两方面对影响该行房地产信贷风险防控的因素进行分析,一方面指出该行房地产信贷风险防控中存在的问题,另一方面指出影响房地产信贷风险防控的外部因素。针对以上问题,提出强化该行房地产信贷风险防控的政策建议。文章分为五部分,第一部分为绪论,主要介绍国内外研究现状,文章的研究内容和方法。第二部分介绍房地产信贷的概念及房地产信贷风险的表现形式、风险成因。第三部分结合Z银行内蒙古分行房地产信贷风险防控现状指出影响该行房地产信贷风险防控的内外部因素。第四部分针对上文的分析,提出了强化该行房地产信贷风险防控的政策建议。第五部分是文章的结论,对全文内容进行了概括总结。本文立足于Z银行内蒙古分行房地产信贷风险管控的实际,对该行房地产信贷业务中存在的风险防控问题进行识别,同时根据该行房地产信贷业务的特点,结合当前宏观经济形势及政策,从内部、外部两方面提出了强化房地产信贷风险防控的政策建议,以期强化Z银行内蒙古分行房地产信贷风险防控,并能给其他商业银行房地产信贷风险防控带来启发。
[Abstract]:Real estate is a typical capital-and financial-intensive industry, leaving the financial sector to support it. The development of the real estate industry is unsustainable. The real estate enterprise loan provides an important supporting force for the development of the real estate enterprise from the angle of supply. The development of personal housing loan provides an important guarantee for the development of real estate industry. The bank funds obtained by Chinese real estate developers through various channels account for more than 70% of their assets. Real estate development enterprises are faced with more serious problems of debt management. The financing mode of real estate enterprises in our country decides that the market risk and the financing risk are concentrated in the bank. Real estate credit risk prevention and control is particularly important. This paper uses the method of quantitative and qualitative analysis, through the Z Bank of Inner Mongolia Branch of real estate credit risk analysis of the status quo. From the internal and external aspects of the bank's real estate credit risk prevention and control of the analysis of the factors, on the one hand pointed out the bank's real estate credit risk prevention and control problems. On the other hand, it points out the external factors that affect the prevention and control of the real estate credit risk. In view of the above problems, the paper puts forward the policy recommendations to strengthen the prevention and control of the bank's real estate credit risk. The article is divided into five parts, the first part is the introduction. The second part introduces the concept of real estate credit and the manifestation of real estate credit risk. The third part points out the internal and external factors that affect the real estate credit risk prevention and control of Z Bank Inner Mongolia Branch. Part 4th is based on the above analysis. Put forward to strengthen the bank real estate credit risk prevention and control policy recommendations. 5th is the conclusion of the article. Based on the reality of real estate credit risk control in Inner Mongolia Branch of Z Bank, this paper identifies the risk prevention and control problems existing in the real estate credit business of Z Bank. At the same time, according to the characteristics of the bank's real estate credit business, combined with the current macroeconomic situation and policies, from the internal and external aspects of strengthening the real estate credit risk prevention and control policy recommendations. In order to strengthen Z Bank Inner Mongolia Branch real estate credit risk prevention and control, and can bring inspiration to other commercial banks real estate credit risk prevention and control.
【学位授予单位】：沈阳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.45

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