个人住房贷款的银行风险管理研究-外文文献及翻译.doc

Personal?housing?loan?to?the?bank?risk?management?research?PART?I.??Problem?Statement??In?this?part,?I?will?give?a?detailed?introduction?of?Industrial?and?Commercial?Bank?of?China?and?the?information?about?the?Individual?housing?loan.?Certainly,?the?problem?formulation?is?the?most?important?one?I?want?to?discuss.??1?introduction?to?ICBC?and?Issues?Industrial?and?Commercial?Bank?of?China?Ltd.?(ICBC)?is?the?largest?bank?in?the?world?by?profit?and?market?capitalization.?It?is?one?Chinas?Big?Four?state-owned?commercial?banks?(the?other?three?being?the?Bank?of?China,?Agricultural?Bank?of?China,?and?China?Construction?Bank.?It?was?founded?as?a?limited?company?on?January?1,?1984.?As?of?March?2010,?it?had?assets?of?RMB?12.55?trillion?(US$1.9?trillion),?with?over?18,000?outlets?including?106?overseas?branches?and?agents?globally.?In?2011,?it?ranked?number?7?on?Forbes?Global?2000?list?of?worlds?biggest?public?companies?Industrial?and?Commercial?Bank?of?1991?established?the?Department?of?real?estate?credit,?for?individual?housing?credit?business,?and?made?a?worker?housing?mortgage?loan?management?approach.?1.1??Individual?housing?loan?Individual?housing?loan?of?bank?credit?to?the?self?is?the?source?of?funds?for?personal?loans?to?property?buyers.?Also?known?as?the?commercial?individual?housing?loans,?banks?name?are?not?the?same,?the?Construction?Bank?known?as?the?individual?housing?loans,?industrial?and?Commercial?Bank?of?China?and?Agricultural?Bank?known?as?the?personal?housing?loan?guarantee?1.2??the?credit?risk?The?real?estate?industry?is?a?high?risk?industry,?housing?credit?business?hides?the?bigger?risk.It?is?the?banks?own?risks.?Commercial?banks?as?credit?parties,?in?groups?through?the?internal?division?of?the?mutual?cooperation,?a?part?of?any?mismanagement?may?cause?potential?risks?into?reality,?caused?the?loss?of?assets.?Credit?risk?caused?by?characteristic?is?the?banks?themselves,?but?it?can?avoid,?reduce?and?prevent?the?credit?risk,?which?is?the?focus?of?the?work?2.?p