工商银行沈阳市分行房地产信贷的风险管理研究

发布时间：2018-03-10 10:52

本文选题：房地产信贷　切入点：风险管理　出处：《吉林大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前我国的房地产信贷风险呈现出动态特征，而商业银行现有的静态压力测试将无法全面评估相关风险。因此，对于商业银行而言，应当将风险管理的重心放在关注房地产信贷动态风险上，对房地产行业可能的泡沫破灭对整个经济的危害性以及金融体系的冲击有一定预见性。否则，一旦房地产信贷的系统性风险爆发，我们将很难将房地产泡沫对经济的负面影响降到最低。本文结合中国房地产市场发展现状，对工商银行的房地产信贷风险进行了深入分析，并提出了相应的风险控制方案。本文主要分为六个部分：第一章绪论侧重于文章研究背景以及研究意义的分析，并对国内外学术界在房地产信贷项目风险管理方面的研究成果作一个简单的综述，同时结合本文的研究方法提出本文同其他文献方面的创新点。第二章论文相关的研究基础。着重介绍房地产信贷项目风险管理相关概念及理论基础，，分析房地产信贷项目及其风险管理的特殊性，并结合全面风险管理理论，提出了房地产信贷项目全面风险管理的内涵，总结发达国家房地产信贷项目风险管理实践与启示。第三章工商银行沈阳市分行房地产信贷业务的现状分析。通过对沈阳市分行经营介绍，分析房地产贷款的需求状况，就工商银行沈阳市分行房地产开发贷款业务和个人住房贷款业务展开分析。第四章工商银行沈阳市分行房地产信贷业务的风险分析。剖析沈阳市分行房地产信贷风险分析的流程，辨识沈阳市分行房地产信贷风险的主要影响因素，提出工商银行沈阳市分行房地产信贷风险管理中存在的问题。第五章工商银行沈阳市分行房地产信贷全面风险管理的优化策略。指出沈阳市分行房地产信贷全面风险管理的宗旨，设置沈阳市分行房地产信贷风险偏好及风险容忍度，提出房地产信贷全面风险管理的优化方案与措施，包括加强市场监测、实行封闭管理、严格准入名单制、加强风险贷款监测、加强贷后管理、强化押品管理。第六章总结。对整篇文章的论述作出总结。
[Abstract]:At present, the real estate credit risk of our country presents the dynamic characteristic, but the existing static stress test of the commercial bank will not be able to comprehensively assess the related risk. Therefore, for the commercial bank, The focus of risk management should be on the dynamic risk of real estate credit, which can predict the damage to the whole economy and the impact of the financial system of the potential bubble burst in the real estate industry. Once the systemic risk of real estate credit erupts, it will be difficult for us to minimize the negative impact of the real estate bubble on the economy. This paper makes an in-depth analysis of the real estate credit risk of ICBC in the light of the current situation of the development of the real estate market in China. And put forward the corresponding risk control scheme. This paper is divided into six parts:. The first chapter focuses on the research background and analysis of the significance of the research, and makes a brief summary of the research results of the real estate credit project risk management at home and abroad. At the same time, combined with the research method of this paper, the innovation of this paper and other literature is put forward. Chapter two introduces the related concepts and theoretical basis of risk management of real estate credit project, analyzes the particularity of real estate credit project and its risk management, and combines with the theory of comprehensive risk management. This paper puts forward the connotation of the comprehensive risk management of the real estate credit project, and summarizes the practice and enlightenment of the risk management of the real estate credit project in the developed countries. The third chapter analyzes the current situation of real estate credit business in Shenyang Branch of ICBC. By introducing the management of Shenyang Branch, it analyzes the demand for real estate loans. Commercial Bank of Shenyang Branch real estate development loans and personal housing loans business analysis. Chapter 4th: risk analysis of real estate credit business in Shenyang Branch of ICBC. Analyze the process of real estate credit risk analysis in Shenyang Branch, identify the main influencing factors of real estate credit risk in Shenyang Branch. The problems in real estate credit risk management of Shenyang Branch of ICBC are put forward. In chapter 5th, the author points out the aim of the comprehensive risk management of real estate credit in Shenyang Branch, and sets up the risk preference and tolerance of real estate credit in Shenyang Branch. The optimization scheme and measures of the comprehensive risk management of the real estate credit are put forward, including strengthening the market monitoring, carrying out the closed management, strictly entering the list system, strengthening the risk loan monitoring, strengthening the post-loan management, and strengthening the management of the pledged goods. Summary of 6th chapter. Summarize the whole article.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.45

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