密 级：目 录
摘 要..I
SummaryII
前 言..1
1 绪论..2
1.1 研究背景.....2
1.2 论文研究的目的和意义 ....3
1.2.1 研究的目的.........3
1.2.2 研究的意义 .........4
1.3 国内外研究现状...........4
1.4 研究框架及内容...........7
1.5 研究的创新点.8
2 商业银行房地产信贷风险管理的理论阐述......9
2.1 商业银行信贷风险管理的含义和原则.....9
2.1.1 商业银行风险的含义 .9
2.1.2 商业银行风险管理的含义 .........9
2.1.3 风险管理对商业银行经营管理的重要意义 .......9
2.1.4 商业银行的风险观..10
2.2 商业银行房地产信贷风险的主要因素....10
2.2.1 国家政策及市场风险因素 ........10
2.2.2 项目资金风险因素 ..11
2.2.3 信贷资金支付风险因素 ..........12
2.2.4 抵押物风险因素 ....12
2.2.5 个人住房贷款风险因素 ..........12
2.3 建行风险度量方法介绍....12
2.3.1 国外采用的主要风险度量方法 ....12
2.3.2 建行信贷风险度量的特点........14
2.4 银行业监管机构对房地产信贷风险管理的监管要求....153
建行房地产信贷风险管理现状分析...........16
3.1 建行信贷风险管理体系的发展和演变....16
3.1.1 历史沿革 ..........16
3.1.2 发展现状 ..........17
3.1.3 作用和意义 ........17
3.2 建行房地产信贷风险管理体系概述......18
3.2.1 建行信贷风险防范体系..........18
3.2.2 建行房地产行业信贷风险管理的特殊要求 ......19
3.3 建行房地产信贷风险管理中存在问题....20
3.3.1 信贷流程较长带来的政策及市场风险 ..........20
3.3.2 层级管理带来的客户逆向选择风险20
3.3.3 贷前调查不真实带来的项目风险 ..22
3.3.4 行际间系统未联通带来的信贷资金支付风险 ....23
3.3.5 受政府管理体制影响带来的抵押物风险 ........24
3.3.6 个贷核查瑕疵带来的封闭管理风险 26
3.4 建行房地产信贷风险管理问题的具体表现——以贵州省某房开为例..27
4 建行房地产信贷风险管理存在问题的成因分析 ...........33
4.1 “封闭管理”仍是银行房地产信贷管理的核心 .......33
4.2 现行风险管理体系出现问题的具体原因 .33
5 完善建行房地产信贷风险管理的建议.........35
5.1 由被动应对风险向主动管理风险转变....35
5.2 由按贷前、贷中、贷后管理向综合化信贷风险管理转变36
5.3 由单一条线管理向多条线、全体系管理转变..........37
5.4 协同政府加强房地产风险管理的思考....39
致 谢.40
主要参考文献.......41
原 创 性 声 明.....44I
摘 要
本论文首先阐述了商业银行的风险管理理论，介绍了现在主要采用的几种风
险度量方法，分析了商业银行目前的房地产信贷风险管理中的政策、市场、资金、
抵押等风险因素的具体成因。其次，本文从建行贵州省分行的信贷管理实际出发，
介绍了建行的信贷管理体系和房地产信贷风险管理的相关规定，重点分析阐述了
建行房地产风险管理体系中存在的信贷流程长、管理层级多、贷前调查真实性难
以完全保证、系统联通程度等技术手段不足、受国家政策调整影响较大等问题，
并通过分析提出这些问题的成因，主要是银行目前现行的以“封闭管理”为核心
的“分岗位、重事后”的房地产信贷风险管理体系并不能完全适应社会经济的高
速发展带来的变化，在信贷管理理念上出现了一定的偏差，在应对借款主体、开
发管理模式、外部监管的新形势等方面出现不同程度的问题，使得房地产信贷管
理较为被动。为了更好的分析上述问题的表现，本文还以贵州省内某房开项目为
例，对存在问题的具体表现进行了介绍

最后，结合上述研究分析，本论文提出了在银行体系内由被动应对向主动管
理；由按贷前、贷中、贷后管理向综合化管理；由单一条线管理向多条线、全体
系管理的信贷风险管理建议，并对银行协同政府共同做好房地产的风险防范提出
了建议

关键词：房地产开发，信贷管理，贷前调查，贷后管理，风险防范
分类号：F830.4II
Summary
Firstly,this paper elaborated the risk management theory of commercial banks,introduces
several measurement method of risks witch are mainly using, analysis specific causes policy,
market, funds, mortgages and other risk factors of commercial banks to the real estate credit risk
management.
Secondly,this article is based on the actual situation of the credit management of China
Construction Bank branch in Guizhou province, introduced the relevant provisions of the bank
credit management system and real estate credit risk management,this paper focuses on the existed
problems of the real estate credit risk management system ,such as the long process, management
level, the loan before the survey, difficulty of the fully guarantee of the authenticity,the
disconnection of the IT system between banks, affection by the national policy,and put forward
through the analysis of the casuses of these problems,is mainly that banks current take closed
management as the core of the estate credit risk management system that contained
with-hindsight and sub post, can not completely adapt to the changes of the rapid development of
social economy.
The credit management philosophy has deviated,and brought problems in response to the
borrower, the development of management mode, external supervision of new situation etc,
making the real estate credit management is passive.In order to get a better analysis the
performance of the above problems, this paper also takes a housing project in Guizhou Province as
an example, introduces the specific performance of the existing problems are introduced.
Finally, on the basis of the above analysis, this paper proposed in the advices of the
transformation that make the management system of credit risk management better ,include that
make the management system from a passive response to active management,loan management to
the integrated management; by a single line management to a plurality of line.And proposed in the
suggestions of the jointly management of banks and government to the management of the credit
risk.
Key words: Real estate development，Credit management，Pre credit investigation，Post loan
management， Risk-prevention
Classification Number：F 8 3 0 . 41
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