浦发银行大连分行房地产信贷客户选择研究

发布时间：2018-10-14 11:18

【摘要】：信贷客户是商业银行利润的主要贡献者,尤其是房地产信贷客户在商业银行信贷客户中占有很重要的地位。随着国家房对房地产行业调控的不断深入而带来的房地产行业的变化,如何更好的选择房地产信贷客户以便商业银行获取优质客户并有效的控制风险,就成为银行客户选择的重要研究内容。如何形成一套高效准确的房地产客户选择体系关系到浦发银行大连分行在同行业竞争中胜负。本文通过描述浦发银行在房地产信贷客户选择中的评价方法,深入研究其中每一个评价方面的含义,针对部分存在局限性的评价方面进行深入研究,找出其局限性所在,并提出改进方案。本文共分五部分内容。第一章提出问题,阐述客户选择方法对于浦发银行大连分行房地产信贷业务发展的重要性。引据目前国内外对于客户选择评价方法的研究现状,提出本文的研究思路及所采用的技术路线。第二章理论概述,介绍房地产信贷概念和特点,商业银行客户选择方法和理论。描述了当今主流的三大客户选择方法：5C评价法、客户关系管理法和信用评级法。第三章论述了浦发银行大连分行现有房地产信贷客户选择方法,对每个部分进行分析,同时指出盈利能力部分、运营能力部分和竞争力等部分存在缺陷,并对其局限性进行剖析。第四章提出改善方案,针对前面分析出的缺陷进行改进和完善。第五章实例验证,以大连YD集团为例,对本文的改进措施进行了效果评价。本文的研究重点是对浦发银行现行房地产客户选择方法进行分析,并对其中个别界定模糊的评价指标进行改进和补充,以期大连浦发银行房地产选择方法够更加客观反映企业的情况,能更加有效的为银行选择客户的判断提供依据。
[Abstract]:Credit customer is the main contributor of commercial bank profit, especially the real estate credit customer plays an important role in the commercial bank credit customer. With the deepening of the regulation and control of the real estate industry, how to better select the real estate credit customers in order for commercial banks to obtain high quality customers and effectively control the risk, It has become an important research content of bank customer selection. How to form a set of efficient and accurate real estate customer selection system is related to the success or failure of Pudong Development Bank Dalian Branch in the same industry competition. By describing the evaluation method of Pudong Development Bank in the selection of real estate credit customers, this paper deeply studies the meaning of each of them, and makes an in-depth study on some of the limitations of the evaluation, and finds out its limitations. And put forward the improvement plan. This paper is divided into five parts. The first chapter puts forward the question, expounding the importance of customer selection method to the development of real estate credit business of Pudong Development Bank Dalian Branch. According to the current research situation of customer selection and evaluation methods at home and abroad, this paper puts forward the research ideas and adopted technical route. The second chapter introduces the concept and characteristics of real estate credit, the method and theory of customer selection in commercial banks. This paper describes three popular customer selection methods: 5C evaluation method, customer relationship management method and credit rating method. The third chapter discusses the existing real estate credit customer selection methods in Dalian Branch of Pudong Development Bank, analyzes each part, and points out that there are some defects in the profitability part, the operational ability part and the competitiveness part, etc. And analyze its limitation. The fourth chapter puts forward the improvement scheme, aiming at the defects of the previous analysis to improve and perfect. The fifth chapter verifies the example, takes Dalian YD Group as an example, and evaluates the effect of the improvement measures in this paper. The research focus of this paper is to analyze the current real estate customer selection methods of Pudong Development Bank, and to improve and supplement the individual defined fuzzy evaluation indicators. It is expected that the real estate selection method of Dalian Pudong Development Bank can reflect the situation of the enterprise more objectively and can provide more effective basis for the bank to judge the customer selection.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.45

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