商业银行的个人住房贷款业务自开办以来，因其资产质量相对较高、业务综合贡 献较强、收益稳定等特点，一直作为商业银行非常重要的一种优质贷款，是金融机构 大力发展的贷款种类之一。2008 年以来，伴随着国家及地方政府相关的政策红利以 及人们投资渠道的多样化，我国的房地产市场得到了飞速发展，很多城市的房屋成交 量屡创新高。与此相关，各商业银行的个人住房贷款业务的体量和规模都日益增长， 个人住房贷款余额在银行总贷款余额的占比逐渐上升。随着个人住房贷款业务规模的 不断增长，其自身存在的风险点也不断暴露。由于该业务的风险特点具有集中性，问 题一旦爆发，就会对银行的贷款质量造成极大的冲击，在很长时间内制约着银行信贷 业务的健康发展。因此，如何做好风险把控，在业务发展的同时降低风险，是金融机 构所必须面临的问题。 以 Z 银行 L 分行为例，在 L 地区受大环境影响、城市自身发展、棚户区改造等有 利因素下，L 分行个人住房贷款业务实现了跨越性发展，贷款余额和贷款增量都创了 历史新高。随着越涨越高的房价和越做越多的业务，以抵押形式为主的个人住房贷款 风险管理存在的问题也不断放大。尽管在国家的强制调控之下，近两年的全国房屋交 易市场逐渐降温，2019 年 L 地区的房屋成交量更是大幅下降，但是 Z 银行 L 分行的 个人住房贷款业务经过粗犷性的发展，存量业务的数目已非常可观。因此如何精细化 的管理日渐增长的资产规模、构筑完善的资产质量管控体系已经迫在眉睫。 正是在上述背景下，本文作者作为具有个贷条线前、中、后台工作经验的个贷从 业人员，以 Z 银行 L 分行为调研对象，重点分析 L 分行发生过的一起个人住房贷款风 险案例，通过对案例的研究分析以及结合作者自身从业经验，提出防控措施，并给 Z 银行 L 分行个人住房贷款业务健康平稳发展给出建议。 关键词：Z 银行 L 分行；个人住房贷款；风险管理Z 银行 L 分行个人住房贷款风险管理案例研究 I ABSTRACT Since its inception, the personal housing loan business of commercial Banks has been regarded as a very important high-quality loan for commercial Banks and one of the loan types vigorously developed by financial institutions due to its relatively high asset quality, strong business comprehensive contribution and stable income. Since 2008, China's real estate market has been developing rapidly with the policy dividends of national and local governments and the diversification of investment channels. The housing transaction volume in many cities has reached new highs repeatedly. Related to this, the volume and scale of personal housing loan business of all commercial Banks are growing day by day, and the proportion of personal housing loan balance in the total loan balance of Banks is gradually increasing. With the continuous growth of the scale of personal housing loan business, its own risk points are constantly exposed. As the risk characteristics of this business are concentrated, once the problem breaks out, it will have a great impact on the loan quality of the bank, which will restrict the healthy development of the bank credit business for a long time. Therefore, how to do a good job of risk control, in the business development at the same time reduce the risk, is the financial institutions must face the problem. Taking Z Bank L Branch as an example, under the influence of the overall environment, urban development, shantytown reconstruction and other favorable factors, the personal housing loan business of L Branch has achieved leap-forward development, with both the loan balance and the loan increment reaching a record high. With rising house prices and more business, the problems in risk management of personal home loans, mainly in the form of mortgages, are also magnified. In spite of the gradual cooling of the national housing transaction market in the past two years under the mandatory regulation of the state, and the housing transaction volume in The Region L has dropped significantly in 2019, the personal housing loan business of Z Bank L Branch has been developed in a rough way, and the stock business has been quite substantial. Therefore, it is extremely urgent to manage the increasing asset scale and build a perfect asset quality control system. Is under the above background, the author of this article as a personal loan line before, during, the background of experience of personal loans from personnel of course of study, with the bank of Z, L as research object, analyzed the L branch cases happened in personal housing loan risk together, through the analysis of the case and combining with the author'sABSTRACT II own experience, put forward the prevention and control measures, and to give the bank of Z, L steady and healthy development of personal housing loan business advice is given. KEYWORDS: L branch of Z Bank; individual housing loan; risk managementZ 银行 L 分行个人住房贷款风险管理案例研究 1 目 录 第一章 绪论············································································· 1 第一节 选题背景······················································································ 1 第二节 研究目的与意义············································································· 2 第三节 国内外相关文献综述······································································· 2 一、国外相关研究文献综述·······································································2 二、国内相关研究文献综述·······································································4 三、国内外研究文献评述··········································································6 第四节 研究思路、研究内容和研究方法························································6 一、研究思路························································································· 6 二、研究内容························································································· 6 三、研究方法························································································· 7 第五节 本文的创新点················································································ 7 第二章 Z 银行 L 分行个人住房贷款风险案例介绍····························· 9 第一节 Z 银行 L 分行基本情况介绍······························································9 第二节 案件内容介绍················································································ 9 第三节 案件后续情况介绍·········································································16 第三章 Z 银行 L 分行个人住房贷款风险案例分析····························17 第一节 L 分行个人住房贷款风险案例产生原因分析········································17 第二节 L 分行个人住房贷款风险案例的风险点分析········································18 一、合作机构风险··················································································18 二、抵押物风险·····················································································18 三、借款人风险·····················································································18 四、银行内部风险··················································································19 第三节 专家系统模型分析·········································································19目录 2 第四节 L 分行个人住房贷款风险管理存在的问题分析·····································20 一、合作机构存在的问题········································································ 21 二、人员管理存在的问题········································································ 21 三、个人住房贷款管理模式存在的问题······················································ 21 四、风险管理系统存在的问题·································································· 22 五、资产质量管理存在的问题·································································· 22 第四章 Z 银行 L 分行个人住房贷款风险防控措施和优化策略·············25 第一节 严把准入关，消除贷前风险隐患······················································ 25 一、加大对按揭楼盘和合作机构现场查验和监控管理····································25 二、加强对借款人的尽职调查·································································· 25 第二节 落实抵押物，提高风险抗性······························································26 第三节 提高个贷条线从业人员综合素质························································27 第四节 优化个人住房贷款审批流程······························································27 第五节 加强对不良资产的精准管控······························································29 一、严格建立完善按日管控工作机制························································· 29 二、严格主体责任，加强重点支行监控······················································ 29 三、积极推进“依法诉讼”和已诉案件的执行力度·······································29 四、积极采取多种形式，明确重点，化解个贷风险·······································30 五、积极做好风险排查，全面提高资产质量················································30 第六节 多措并举，加强贷后管理·································································30 一、建立薪酬激励体系··········································································· 30 二、建立“问卷”机制，提前暴露风险······················································ 31 第五章 研究结论、研究不足和展望··············································33 第一节 研究结论·····················································································33 第二节 研究不足和展望············································································33 附录························································································35。。。。。。以下内容略