阜新银行个人住房贷款信用风险研究
发布时间：2018-07-29 07:18
【摘要】：个人住房贷款推动了中国房地产业的快速发展,极大地改善了百姓的居住条件,但也隐藏着不可忽视的信用风险。文章全面总结了阜新银行个人住房贷款信用风险状况,深入分析了阜新银行个人住房贷款信用风险产生的原因,并在借鉴国外银行管理经验的基础上提出了阜新银行预防和解决信用风险问题的对策,这些对策具体包括：积极推动社会信用意识及信用机制建设,完善阜新银行借款人风险防范机制,完善阜新银行开发商风险防范机制,强化阜新银行内部管理,建立阜新银行个人住房贷款信用风险控制体系等。这些对策建议对阜新银行充分认识个人住房贷款所隐藏的信用风险,采取有效的预防措施,维护金融稳定具有重要的现实意义。
[Abstract]:Personal housing loan promotes the rapid development of China's real estate industry, greatly improves the living conditions of the common people, but also hides the credit risk that can not be ignored. This paper summarizes the credit risk situation of Fuxin bank's personal housing loan, and analyzes the causes of the credit risk of Fuxin bank's personal housing loan. On the basis of using foreign bank management experience for reference, the paper puts forward the countermeasures to prevent and solve the credit risk problems in Fuxin Bank. These countermeasures include: actively promoting social credit consciousness and credit mechanism construction. Improve the risk prevention mechanism of Fuxin bank borrower, perfect Fuxin bank developer risk prevention mechanism, strengthen the internal management of Fuxin bank, establish Fuxin bank personal housing loan credit risk control system, etc. These countermeasures and suggestions have important practical significance for Fuxin Bank to fully understand the credit risk hidden by individual housing loans, to take effective preventive measures and to maintain financial stability.
【学位授予单位】：辽宁工程技术大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2151929
[Abstract]:Personal housing loan promotes the rapid development of China's real estate industry, greatly improves the living conditions of the common people, but also hides the credit risk that can not be ignored. This paper summarizes the credit risk situation of Fuxin bank's personal housing loan, and analyzes the causes of the credit risk of Fuxin bank's personal housing loan. On the basis of using foreign bank management experience for reference, the paper puts forward the countermeasures to prevent and solve the credit risk problems in Fuxin Bank. These countermeasures include: actively promoting social credit consciousness and credit mechanism construction. Improve the risk prevention mechanism of Fuxin bank borrower, perfect Fuxin bank developer risk prevention mechanism, strengthen the internal management of Fuxin bank, establish Fuxin bank personal housing loan credit risk control system, etc. These countermeasures and suggestions have important practical significance for Fuxin Bank to fully understand the credit risk hidden by individual housing loans, to take effective preventive measures and to maintain financial stability.
【学位授予单位】：辽宁工程技术大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
【参考文献】
相关期刊论文 前3条
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，本文编号：2151929
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