我国商业银行个人住房按揭贷款风险管理研究

发布时间：2018-02-23 04:00

本文关键词： 商业银行房地产个人住房贷款风险　出处：《云南大学》2013年硕士论文　论文类型：学位论文

【摘要】：2012年12月,中央经济工作会议指出,城镇化是我国现代化建设的历史任务,也是扩大内需的最大潜力所在,要积极引导城镇化健康发展,目前《全国促进城镇化健康发展规划》也已上报国务院。在新型城镇化已经上升为国家战略的宏观背景下,国内银行业出于业务模式转变的需要也掀起了一股大力发展零售业务的势头。在宏观大背景和行业发展趋势的共同推动下,个人住房贷款业务必将得到迅速发展,成为商业银行最主要的一块资产业务和利润来源,但随着业务规模的扩大及房地产市场和固定资产价格变动的不确定因素增加,个人住房按揭贷款业务也将进入一个风险暴露的高峰期,对商业银行资产质量和盈利能力带来影响,因此通过研究个人住房按揭贷款国内外研究现状、在我国的起源和发展过程、风险分析及当前业务模式和风险管理中存在的问题,在借鉴国外先进经验的同时充分结合我国实际情况的基础上,最后从建立一套成熟完整的个人征信体系和统一标准的个人信用评级机制,以此促进诚信意识的觉醒和诚信社会的形成、大力推进我国个人住房按揭贷款证券化工作、建立和完善政府担保制度和商业机构保险三个方面提出对应措施和改进方向来帮助商业银行提高风险管理能力,以防范可能产生的风险具有很强的必要性。
[Abstract]:In December 2012, the Central Economic work Conference pointed out that urbanization is the historical task of China's modernization drive and the greatest potential for expanding domestic demand. It is necessary to actively guide the healthy development of urbanization. At present, the National Plan for the healthy Development of urbanization has also been reported to the State Council. Under the macro background that the new type of urbanization has become a national strategy, Due to the need of changing the business model, the domestic banking industry has also set off a momentum of vigorously developing the retail business. With the help of the macro background and the industry development trend, the personal housing loan business will certainly get a rapid development. It has become the most important asset business and profit source for commercial banks, but with the expansion of business scale and the uncertainty of the real estate market and fixed assets price changes, Personal housing mortgage loan business will also enter a peak period of risk exposure, which will have an impact on the asset quality and profitability of commercial banks. On the basis of the origin and development process of our country, the risk analysis and the problems existing in the current business model and risk management, on the basis of drawing lessons from the advanced experience of foreign countries and fully combining the actual situation of our country, Finally, from the establishment of a mature and complete personal credit system and a unified standard of personal credit rating mechanism, in order to promote the awareness of good faith and the formation of a credit society, we will vigorously promote the securitization of individual housing mortgage loans in China. It is necessary to establish and perfect the government guarantee system and the commercial institution insurance in order to improve the risk management ability of the commercial banks.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.479

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