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房地产作为一个国家和地区国民经济的重要支柱性产业之一,由于其上下游
相关产业较多,产业关联性较强,至上个世纪末以来,己然成为国民经济新的增
长点。而房地产行业需要大量的资金支持,其开发和经营的资金大多来源于各大
金融机构。我国房地产行业融资渠道较为狭窄,通过资本市场进行直接融资的比
重极小,绝大部分仍是通过商业银行进行间接融资的,房地产业的发展对商业银
行贷款严重依赖,降低商业银行房地产信贷风险己然刻不容缓
本文以房地产信贷风险为研宄课题,第一章讲述了研宄商业银行房地产信贷
风险管理问题的背景和意义,进行了相关文献的综述,介绍了本文的核心研宄问
题和研宄方法。第二章对信贷风险相关理论与实践概述进行了阐述,并从内外部
因素两个层面分析我国商业银行房地产信贷风险管理现状及问题,作为后文的理
论基础。第三章介绍了农行通辽分行房地产信贷风险管理现状与问题,研宄发现
农行通辽分行房地产信贷管理中存在控制环境不到位、信息化管理缺陷、法人治
理结构不完善、内部审计缺乏独立性、市场竞争白热化及银行自身舞弊问题,并
探宄了其背后的原因。第四章完善农行通辽分行房地产信贷风险管理提出对策建
议,包括加强房地产信贷项目风险的事前预警机制,拓宽商业银行房地产信贷风
险的事后转移渠道,加强内部控制制度,并从政策制定层面提出建议。分阶段建
立中国房地产信贷风险管理体系加强贷款后对房地产的监控,不断拓宽房地贷
款事后的转移渠道才是从根本上解决房地产贷款信用问题的关键
关键词:商业银行;信贷风险;房地产;项目风险
英文摘要
ABSTRACT
Economic base determines the superstructure of a country, a financial decision
with the topic of a countrys economic lifeline seem trite but with each passing day.
China’s financial market and the overall pattern of the banking system is also
undergoing profound changes. But for a long time, the banking system has accumulated
incalculable bad loans, although in recent years in the \ffdouble down\H trend appears on
the whole, but the fundamental problem not solved.
As one of the important pillar industries in the national economy, real estate has
become a new growth point of the national economy since the end of the last century
because of its relatively large number of upstream and downstream related industries
and strong industrial relations. The real estate industry needs a lot of financial support,
the development and operation of the funds are mostly from major financial institutions.
China＊s real estate industry financing channels is relatively narrow, through the capital :
y.
market, the proportion of direct financing is extremely small, most of the indirect
financing ttirough commercial banks,real estate development of commercial banks rely
heavily on loans, which makes the real estate industry risk height Focus on commercial
banks. It is imperative to reduce the real estate credit risk of commercial banks.
In this paper, the real estate credit risk for the research topic, the first chapter
describes the study of commercial banks real estate credit risk management backgroxuxd
and significance of the relevant literature review, introduced the core research issues
and research methods. The second chapter expatiates on the theory and practice of credit
risk5 and analyzes the current situation and problems of real estate credit risk
management of commercial banks in China from two aspects of internal and external
factors as the theoretical basis of the following. The third chapter introduces the current
situation and problems of real estate credit risk management in Tongliao Branch of
Agricultural Bank of China. It is found that there are many problems in the real estate
credit management of Tongliao Branch of Agricultural Bank of China, such as the
control environment is not in place, information management defect, corporate
governance structure imperfect, Lack of independence, intense competition in the
market and bank&39;s own fraud, and explores the reasons behind it. The fourth chapter is
英文摘要
to improve the credit risk management of real estate credit of Tongliao Branch of
Agricultural Bank of China. The suggestions include strengthening the pre-warning
mechanism of real estate credit project risk, widening after-sale channel of commercial
bank’s real estate credit risk, strengthening the internal control system, make a
suggestion. The establishment of China9 s real estate credit risk management system in
stages to strengthen the monitoring of real estate loans, and continuously expands the
real estate loans after the transfer channel is the fundamental solution to the real estate
loans the key to credit issues.
Key Words: Commercial bank; Real estate; Credit risk; Project Risk
目录
目录
引言1
第1章绪论2
1.1选题背景与研宄意义U.1选题背景1.1.2研宄意义1.2文献回顾与研究述评1.2.1国外研宄1.2.2国内研宄1.2.3研究述评1.3研究方法与内容结构1.3.1研究问题1.3.2研宄方法1.3.3论文结构1.4解决的问题第2章相关理论2.1相关概念界定2.1.1信贷风险的含义2.1.2房地产信贷风险特征2.2风险管理目标和原则2.2.1风险管理的内涵2.2.2风险管理原则2.2.3风险管理目标2.3风险管理框架和程序2.3.1风险管理框架2.3.2风险管理程序和方法2.4商业银行房地产信贷业务概述2.5我国商业银行房地产信贷风险问题存在的成因2.5.1内部因素2.5.2外部因素第3章农行通辽分行房地产信贷风险管理现状与问题3.1农行通辽分行介绍目录
.
3.2农行通辽分行房地产信贷业务现状3.3农行通辽分行房地产信贷风险来源分析
21
3.3.1政策风险
21
3.3.2市场风险
21
3.3.3信用风险
22
3.3.4操作风险
23
3.4农行通辽分行房地产信贷风险的管理流程
24
3.4.1房地产信贷风险识别
24
3.4.2信贷风险评估
25
3.4.3风险控制
25
3.4.4风险处理
25
3.5农行通辽分行房地产信贷风险管理存在问题
26
3.5.1控制环境不到位
26
3.5.2内部控制信息化管理缺陷
27
3.5.3银行法人治理结构有待完善
27
3.5.4内部审计缺乏独立性
28
3.5.5员工道德的观念问题
28
第4章完善农行通辽分行房地产信贷风险管理的对策
31
4.1构建房地产信贷项目风险的事前预警机制
31
4.1.1建立健全房地产行业景气监测体系
31
4.1.2建立健全房地产行业授信动态监测体系
31
4.1.3建立健全房地产信贷信息共享机制和控制联动合作体系
31
4.2房地产信贷项目上加强管理
32
4.3拓宽房地产信贷风险的事后转移渠道
33
4.4加强内部控制制度
33
4.4.1完善组织构架并建立法人治理结构
34
4.4.2风险控制系统的建设
34
4.4.3健全和完善内部控制环境
35
4.4.4加大稽核监督的力度
36
第5章完善房地产信贷风险管理的宏观环境
37
5.1建立健全客户信息管理机制
37
5.2建立社会信用体系
38
5.3建立住房抵押贷款二级市场
39
&39;
目录
—
5.4完善相关法律法规
39
5.5创新个人住房贷款风险防范方法
40
第6章结论与展望
41
6.1结论41
6.2展望42
参考文献43
iC 46
农行通辽分行房地产信贷风险管理研宄
V
引言
改革开放三十多年来,以1998年城镇居民住房制度改革为标志,我国居民的
住房供给走向市场化。伴随蓬勃发展的经济,房地产发展的速度也迅速高涨。房
地产业是一个国家经济发展的重要支柱之一,从人民生活的角度上考虑,“衣食
住行”的“住”便与房地产业息息相关,房地产业可以说直接与居民的生活挂钩,
也是社会稳定健康发展的重要构成。伴随着高速发展的经济增长,房地产业也高
速发展,在发展过程中也存在一定的问题。房地产的信贷风险问题成为影响商业
银行风险运营的重要因素,这引起了社会各界的关注,商业银行的房地产信贷的
健康发展也成为了一个焦点问题。在现有的发展情况下,如何促进商业银行的房
地产信贷的健康发展成为我国政府的实践工作和专家学者的研究方向。商业银行
的房地产信贷的健康发展中遇到的问题不是一个孤立的存在,这些问题是一个综
合性的系统影响,系统中的每一个问题都可能会影响和联动其它的问题出现和强
化,因此,针对如何促进我国商业银行的房地产信贷的健康发展需要用系统的观
点去理解问题,从系统的内容基础上去制定相关对策策略并加以实施,应该从政
府调控、银行信贷以及房地产开发商等综合角度出发,探宄商业银行的房地产信
贷的健康发展。房地产业的健康发展是一个国家和社会的重要关注内容,如果非
健康状态下的房地产业的迅猛发展,将会催生经济泡沫,很可能引发极具破坏力
的金融经济危机,从而危害到整个国家的经济安全,历史上的房地产泡沬危机层
出不穷,最近一次的美国次贷危机引发的全球震荡延续至今便是例证
-1-
第1章绪论
第1章绪论
1.1选题背景与研究意义
1.1.1选题背景
房地产业和一个国家的国民经济的发展具有密切的关联.国家经济的高速发
。。。以上简介无排版格式，详细内容请下载查看
