我国商业银行个人住房贷款信用风险管理与控制--以中国建设银行为例(0002).docx

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 PAGE PAGE II 精心整理 仅供参考 勿用作商业用途 我国商业银行个人住房贷款信用风险管理与控制--以中国建设银行为例 摘要 我国住房制度改革使房地产业成为国民经济的先导产业，，个人通过住房按揭贷款提前享受到改善居住环境的改善，开发商也可以加速开发，对整体经济的连带效应。住房需求得到了快速提升，银行的住房个人住房信贷业务也得到了突飞猛进的增长。由于住房信贷业务是商业银行的一项优质资产，在这种激烈的市场抢夺中，各商业银行为了抢夺市场份额，纷纷出台各种创新产品，以提升贷款业务量， 但同时也导致不良贷款率上升，假按揭贷款、抵押物贬值、等信贷风险逐渐显现，这给商业银行长期运营中资金的安全、稳健运行带来了不利的影响。本文从建行个人住房贷款存在风险问题入手，提出了相应的对策思考。认为特别是近几年来，各家商业银行纷纷推出了个人住房抵押贷款，行业竞争日趋激烈，导致在争取市场最大化的思想驱动下，各家银行纷纷降低了自己的风险门槛。在此背景下，建行如果不保持清醒的头脑，盲目的为了市场最大而放松了对个人住房抵押贷款的风险警惕，可能市场份额大以后会转变成不良资产多。所以，建行在发展个人住房贷款业务时，应该及时根据市场风险状况调整信贷策略，同时把把风险防范与加快发展，注重合规性和高质量发展，做到“不求最大，只求最好”，将风险管理落实到经营者金融管理理念和实际业务操作中去。 关键词：住房贷款，商业银行，风险管理 PAGE PAGE I 精心整理 仅供参考 勿用作商业用途 Credit risk management and control of personal housing loan in Chinas commercial Banks-- take China construction bank as an example Abstract With the deepening of Chinas housing system reform, the housing-based real estate industry has become one of the leading industries of the national economy, which greatly promotes the real estate industry. Individuals can enjoy the improvement of living environment in advance through housing mortgage loans, and developers can also accelerate the development, which has a knock-on effect on the overall economy.Housing demand has been rapidly increased, and the banks housing personal housing credit business has also been growing by leaps and bounds. As the housing credit business is a high-quality asset of commercial Banks, in this fierce market competition, commercial Banks, in order to grab market share, have introduced a variety of innovative products to improve the loan business , but also lead to housing credit non-performing loan ratio is on the rise, the false mortgage loan, collateral value and operating to relax credit risk appeared gradually, this to the long-term operation of commercial bank in the capital to the safe and stable operation of adverse effects. This article from the China construction bank individual housing loan existence ris