商业银行个人住房贷款风险管理研究.doc
约28页DOC格式手机打开展开
商业银行个人住房贷款风险管理研究,15600字原创毕业论文,仅在本站独家提交,大家放心使用目录摘要2abstract3引言6第1章商业银行个人住房贷款风险管理相关理论71.1个人住房贷款概述71.2商业银行房贷风险管理概述8第2章 我国个人住房贷款的发展现状102.1住房消费快速增长102.2个人住房贷款风险增加102....
内容介绍
此文档由会员 曹操55 发布
商业银行个人住房贷款风险管理研究
15600字
原创毕业论文,仅在本站独家提交,大家放心使用
目录
摘要 2
Abstract 3
引言 6
第1章 商业银行个人住房贷款风险管理相关理论 7
1.1个人住房贷款概述 7
1.2商业银行房贷风险管理概述 8
第2章 我国个人住房贷款的发展现状 10
2.1住房消费快速增长 10
2.2个人住房贷款风险增加 10
2.3银行信贷服务质量提升 11
2.4住房信贷市场有待完善 11
第3章 我国个人住房贷款所面临的风险分析 13
3.1商业银行内部原因风险分析 13
3.2我国商业银行外部原因风险分析 15
第4章 发达国家个人住房贷款风险防范的可借鉴性经验 18
4.1内部防范措施 18
4.2外部防范措施 20
4.3发达国家风险防范经验对中国的启示 21
第5章 加强我国商业银行个人住房贷款风险管理对策 23
5.1我国商业银行个人住房贷款风险的内部管理对策 23
5.2我国商业银行个人住房贷款风险的外部管理对策 25
结束语 28
参考文献 29
[摘要] 伴随着我国商品房市场的发展以及我国住房制度的改革,我国商业银行的个人住房贷款业务也迎来了发展的黄金时期。商业银行的个人住房贷款已经成为了我国经济生活中的重要组成部分。本文以我国商业银行个人住房贷款风险管理作为研究对象,首先阐述个人住房贷款以及风险管理的相关理论,介绍了个人住房贷款风险的特点及相关性,进而对我国个人住房贷款面临的风险及风险产生的原因进行了详尽的分析,总结了造成风险的银行内部因素与外部因素。论文的第三部分介绍了发达国家在个人住房贷款风险管理方面的经验,总结了其对于我国个人住房贷款风险控制的借鉴启示。最后,针对我国个人住房贷款风险管理方面存在的问题提出了针对性的解决对策。希望通过对于我国个人住房贷款风险管理的相关研究,能够推动个人住房贷款行业的健康发展。
[关键词] 商业银行;个人住房贷款;信用评级制度;违约处理机制
Research about Risk Management of commercial banks personal housing loans
Abstract: Along with the reform and development of China's real estate market of China's housing system , individual housing loans of commercial banks also ushered in the golden period of development . Individual housing loans of commercial banks in China's economic life has become an important component. In this paper, individual housing loans of commercial banks risk management as a research object, first expounded the theory of individual housing loans, and risk management, describes the characteristics of individual housing loan risk and correlation , and thus the risks of individual housing loans and risk faced produce the reason for a detailed analysis , summarized the bank's internal factors and external factors of risk. The third part of the paper describes the experience of developed countries in terms of individual housing loan risk management , summed up the draw its inspiration for our personal housing loan risk control . Finally, the presence of credit risk management of individual housing issues raised Targeted Solutions. I hope , through our individual housing loans for risk management related research , can promote the healthy development of individual housing loans industry.
Key Words:Commercial Banks; Personal housing loan; The credit rating system; Default processing mechanism
15600字
原创毕业论文,仅在本站独家提交,大家放心使用
目录
摘要 2
Abstract 3
引言 6
第1章 商业银行个人住房贷款风险管理相关理论 7
1.1个人住房贷款概述 7
1.2商业银行房贷风险管理概述 8
第2章 我国个人住房贷款的发展现状 10
2.1住房消费快速增长 10
2.2个人住房贷款风险增加 10
2.3银行信贷服务质量提升 11
2.4住房信贷市场有待完善 11
第3章 我国个人住房贷款所面临的风险分析 13
3.1商业银行内部原因风险分析 13
3.2我国商业银行外部原因风险分析 15
第4章 发达国家个人住房贷款风险防范的可借鉴性经验 18
4.1内部防范措施 18
4.2外部防范措施 20
4.3发达国家风险防范经验对中国的启示 21
第5章 加强我国商业银行个人住房贷款风险管理对策 23
5.1我国商业银行个人住房贷款风险的内部管理对策 23
5.2我国商业银行个人住房贷款风险的外部管理对策 25
结束语 28
参考文献 29
[摘要] 伴随着我国商品房市场的发展以及我国住房制度的改革,我国商业银行的个人住房贷款业务也迎来了发展的黄金时期。商业银行的个人住房贷款已经成为了我国经济生活中的重要组成部分。本文以我国商业银行个人住房贷款风险管理作为研究对象,首先阐述个人住房贷款以及风险管理的相关理论,介绍了个人住房贷款风险的特点及相关性,进而对我国个人住房贷款面临的风险及风险产生的原因进行了详尽的分析,总结了造成风险的银行内部因素与外部因素。论文的第三部分介绍了发达国家在个人住房贷款风险管理方面的经验,总结了其对于我国个人住房贷款风险控制的借鉴启示。最后,针对我国个人住房贷款风险管理方面存在的问题提出了针对性的解决对策。希望通过对于我国个人住房贷款风险管理的相关研究,能够推动个人住房贷款行业的健康发展。
[关键词] 商业银行;个人住房贷款;信用评级制度;违约处理机制
Research about Risk Management of commercial banks personal housing loans
Abstract: Along with the reform and development of China's real estate market of China's housing system , individual housing loans of commercial banks also ushered in the golden period of development . Individual housing loans of commercial banks in China's economic life has become an important component. In this paper, individual housing loans of commercial banks risk management as a research object, first expounded the theory of individual housing loans, and risk management, describes the characteristics of individual housing loan risk and correlation , and thus the risks of individual housing loans and risk faced produce the reason for a detailed analysis , summarized the bank's internal factors and external factors of risk. The third part of the paper describes the experience of developed countries in terms of individual housing loan risk management , summed up the draw its inspiration for our personal housing loan risk control . Finally, the presence of credit risk management of individual housing issues raised Targeted Solutions. I hope , through our individual housing loans for risk management related research , can promote the healthy development of individual housing loans industry.
Key Words:Commercial Banks; Personal housing loan; The credit rating system; Default processing mechanism