首页 > 资料专栏 > 论文 > 经营论文 > 风险管理论文 > MBA毕业论文_交通银行湖南省分行房地产开发贷款风险管理研究(60页).rar

MBA毕业论文_交通银行湖南省分行房地产开发贷款风险管理研究(60页).rar

资料大小:587KB(压缩后)
文档格式:DOC
资料语言:中文版/英文版/日文版
解压密码:m448
更新时间:2018/8/16(发布于广东)

类型:金牌资料
积分:--
推荐:升级会员

   点此下载 ==>> 点击下载文档


文本描述
摘 要
近几年随着房地产市场的繁荣,房地产开发领域的投资不断增长,但受国内
外宏观经济波动和国家调控政策的影响,房地产行业的风险正在逐步积累并增大。

商业银行是房地产开发企业融资的主渠道,而房地产开发贷款占比在银行贷款中
首当其冲,房地产行业的风险能快速传递到银行系统,因此对房地产开发贷款进
行有效的风险管理成为当下各商业银行控制风险的重要环节。商业银行房地产开
发贷款风险管理的科学性不仅关系到商业银行自身的稳健经营,而且关系到金融
系统甚至于国家的稳定,在这种情形下进行房地产开发贷款风险管理研究显得很
有必要。

本文以交通银行湖南省分行为研究对象,对房地产开发贷款风险管理问题进
行系统分析,并提出改进房地产开发贷款风险管理有效性的政策建议。本文首先
对国内外已有的风险管理相关理论进行了回顾和梳理,为接下来的分析打下理论
基础;然后对交通银行湖南省分行房地产开发贷款风险管理的现状进行分析,并
提出风险管理工作中存在的问题,包括风险识别程序不科学、风险预警体系不健
全、风险评价方法不完善和风险控制手段缺乏有效性;之后在确定房地产开发贷
款风险管理改进方案的思路、目标和原则的基础上,从风险预警、风险识别、风
险评估和风险控制 4 个方面提出改进房地产开发贷款风险管理工作的具体建议;
最后从加强风险管理人才队伍建设、健全风险管理制度、加强信息系统建设、营
造企业风险文化和借鉴国外行业先进经验 5 个方面提出交通银行湖南省分行房地
产开发贷款风险管理改进方案的实施保障措施。

关键词:交通银行湖南省分行;房地产开发贷款;风险管理
Abstract
With the prosperity of the real estate market in recent years, the investment of
real estate field was growing continuously. But according to influence of macroeco-
nomic fluctuation at home and abroad and nation control policies, the risk of real es-
tate industry is accumulating and increasing. Commercial bank is the main channel of
real estate enterprise’s financing, and real estate development loans accounted for the
most part of bank loans. The risk of real estate industry can transfer rapidly to the
banking system, so effective risk management for real estate development loans is
becoming a important link of commercial banks to control the risk instantly. The ef-
fectiveness of real estate development loans risk management for commercial bank is
not only related to the commercial bank's stable operation, but also to the stability of
the financial system even country. In this condition, the research for real estate de-
velopment loan risk management is very necessary.
This paper selects Hunan province branch of Bank of Communications as the
research object, analyses the real estate development loan risk management problem
systematically, and puts forward the effective suggestions to improve real estate de-
velopment loan risk management. This paper reviews firstly the domestic and foreign
existing risk management theories, providing theoretical basis for the next analysis;
Then the current situation of real estate development loan risk management about
Hunan province branch of Bank of Communications is analyzed, and problems exist-
ing in the risk management are put forward, including risk identification procedure is
not scientific, risk early warning system and risk assessment method are not perfect,
and risk control means lacks of effectiveness; On the basis of the ideas, goals and
principles about real estate development loan risk management system improvement,
real estate development loan risk management is improved by risk early warning, risk
identification, risk assessment and risk control; Finally,five implementation and
security measures, including enhancing risk management team construction,
strengthening risk management system, promoting risk information system construc-
tion,building enterprise risk culture, and learning advanced experience of the industry,
are put forward to Hunan province branch of Bank of Communications.
Key Words: Hunan province branch of Bank of Communications; Real estate devel-
opment loan; Risk management