我國商業(yè)銀行個人住房貸款的風(fēng)險管理研究.pdf

1、北京交通大學(xué)碩士學(xué)位論文我國商業(yè)銀行個人住房貸款的風(fēng)險管理研究姓名：王琳申請學(xué)位級別：碩士專業(yè)：工商管理指導(dǎo)教師：王衍用20090601ABSTRACTWiththefurtherdevelopmentofthehousingsystemreforminrecentyears，theindividualhousingloangrowsrapidlyinChinaThepersonalhousingcreditsuddenlyemerge

2、dandtheproportionwiththebankcreditisincreaseddayanddayBecauseofitSreliableguarantees，comparativelyhighprofitsandlowerrisks，theindividualhousingloanbusinesshasgotmorepopularincommercialbanksandithasbecomeallimportantcredi

3、tbusinessofoBrcountrycommercialbank，andithasplayedmoreandmoreimportantroleinperfectingcommercialbankassetsstructureandimprovingoperationperformanceAtthesametime，thebadloanofthepersonalhousingcreditisclimbingwiththerapidd

4、evelopmentofthepersonalhousingcreditincommercialbankandtheriskofthepersonalhousingcreditappearedgraduallyOnthebaseofthementionedabove，thepapercarriesoutananalysisofriskmanagementresearchandputforwardcountermeasuresonthei

5、ndividualhousingloanofChinascommercialbanks，hopingtoimprovetheriskpreventioncapacityofChina’Scommercialbanks，promotingthehealthydevelopmentofthehousingloanmarketThisdissertationreviewsthedevelopmentofindividualhousingloa

6、ninChinawiththefurthercarryforwardofthehousingloansystemreform，ChinasrealestateoverthenextfewyearswillmaintainrapidgrowththatwillbringmoreopportunitiesforindividualhousingloansmarketItanalysesChinascommercialbankstothest

7、atusofindividualhousingloansbytheUSsub—loancrisisledtoanurgentneedtostrengthenourcountrysriskmanagementofindividualhousingloansFollowedbyChapterIII，itanalysestheChina’Sindividualhousingloansdetailedontheriskandthecauseso

8、friskofcommercialbanks，fromthetwomajoraspectsofinternalandexternalrisksposedclassifiedresearch，asdemonstratedbytheriskofmoralhazardcreditrisk，thedevelopmentofcausedtotheriskofborrowerscauseditsownrisks，legalrisks，etc，fro

9、mthetheorymythesiselaboratestheriskofindividualhousingloanofChina’ScommercialbanksiSonthecomplexityandseriousnessInChapterIVthecountermeasuresareputforwardaccordingtotheaboveanalysis，fromtwosidesofcommercialbanks，suchasp

10、erfectingtheRiskmanagementtechniques，improvingDynamicregulationofPost—lendingManagement，establishingmechlanismsfordealingwithbreachofcontract，settinguppersonalcreditratingsystem，andconstructingthepersonalloantwo—tiersecu