河北省商业银行房地产信贷风险管理研究

发布时间：2018-04-26 00:33

本文选题：河北省 + 商业银行　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：当前京津冀一体化在国家政策导向下正加快向前推进,对河北省来说无疑是一个历史性的发展机遇。自2014年京津冀协同发展上升为重大国家战略后,三地共同推进一体化,在交通、生态、产业三个重点领域,取得突破性进展。再观国家宏观经济层面,实施宽松的货币政策和信贷政策,正是在这样的背景下,2016年河北省房地产市场经历了量价双双创历史新高的火热行情,商业银行房地产贷款迅速增长。房地产市场的稳定发展对于河北地区乃至全国金融系统的稳定具有重要意义。在房地产业繁荣景象的背后,我们更应该重视潜在的房地产信贷风险。本文结合当前京津冀协同发展的时代背景及国家宏观调控政策,首先通过研究国内外相关文献理论,较为详细地阐述了当前商业银行房地产信贷业务的主要风险及成因。其次,利用河北省近10年房地产行业重要指标的变化情况,对河北省房地产市场分别从河北省整体市场、河北省与全国房地产市场的比较以及河北省内各区域房地产市场的比较这三个角度,对河北省房地产市场进行了现状分析和未来走势的判断。紧接着结合对河北省商业银行房地产信贷风险现状的分析,引出了河北省商业银行对房地产信贷风险的管理现状。最后,结合实际案例指出当前商业银行在房地产信贷风险管理中存在的问题,针对此种现状,针对河北省商业银行房地产信贷风险管理提出对策建议,强调应对不同区域实行差别化管理,促进河北省房地产业健康有序的发展。
[Abstract]:At present, the integration of Beijing, Tianjin and Hebei is speeding up under the guidance of national policy, which is undoubtedly a historic development opportunity for Hebei Province. Since the coordinated development of Beijing, Tianjin and Hebei became a major national strategy in 2014, the three places have jointly promoted integration and made breakthrough progress in the three key areas of transportation, ecology and industry. On the national macroeconomic level, the implementation of loose monetary policy and credit policy, it is against this background, the real estate market in Hebei Province in 2016 has experienced a record high volume prices, commercial banks real estate loans grew rapidly. The stable development of the real estate market is of great significance to the stability of the financial system in Hebei and even the whole country. In the real estate boom behind, we should pay more attention to the potential real estate credit risk. Based on the background of the coordinated development of Beijing-Tianjin-Hebei and the national macro-control policy, this paper firstly elaborates the main risks and causes of the commercial bank's real estate credit business through the study of the domestic and foreign related literature theory. Secondly, using the changes in the important indicators of the real estate industry in Hebei Province in the past 10 years, the real estate market in Hebei Province is analyzed from the overall market in Hebei Province. This paper analyzes the present situation and future trend of real estate market in Hebei Province from three angles: the comparison of real estate market between Hebei province and the whole country and the comparison of real estate market in various regions of Hebei Province. Then combining with the analysis of the real estate credit risk of commercial banks in Hebei Province, it leads to the management status of real estate credit risk of commercial banks in Hebei province. Finally, according to the actual cases, the paper points out the problems existing in the real estate credit risk management of commercial banks, and puts forward some countermeasures and suggestions for the real estate credit risk management of commercial banks in Hebei Province. Emphasis should be placed on the implementation of differential management in different regions to promote the healthy and orderly development of Hebei's real estate industry.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F299.23

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