本文選題：個人住房貸款 + 違約�。� 參考：《廣西大學》2014年碩士論文

【摘要】：在世界范圍內,個人住房抵押貸款早已經成為最廣泛采用的貸款形式,個人住房貸款在我國發(fā)展的時間雖然不長,但近年來隨著經濟體制的轉變,工業(yè)化和城市化的快速發(fā)展,我國個人消費性貸款增長迅速,其中個人住房貸款所占比重最大。 A行保定分行自從開辦個人住房貸款業(yè)務以來,個人住房貸款規(guī)�？偭砍士缭绞皆鲩L,同時,違約貸款也出現(xiàn)了上升的趨勢,使得個人住房貸款風險逐步顯現(xiàn)。個人住房貸款風險是商業(yè)銀行經營過程中的一種重要的風險,在商業(yè)銀行的所有風險中占據(jù)著十分重要的地位,因此,保持個人住房抵押貸款良好的收益率,已經成為目前A行保定分行面臨的一個重要問題。因此,本文筆者從A行保定分行現(xiàn)階段個人住房貸款業(yè)務的發(fā)展現(xiàn)狀入手,結合保定市當?shù)氐慕洕l(fā)展狀況以及保定市房地產市場的基本情況,就A行保定分行個人住房貸款借款人的個人基本情況和銀行放貸人員的操作規(guī)范展開調研,嘗試找到造成違約的主要因素,并為降低貸款風險、保持個人住房貸款良好收益率設計出有效地解決方案,進而為進一步改善A行保定分行個人住房貸款的違約問題提出合理和科學的建議。本文認為,A行保定分行還需強化員工風險意識,做好客戶的優(yōu)選工作,同時制定信貸質量考核方案以及實施風險經理制等方法來降低其個人住房貸款的違約風險。
[Abstract]:In the world, the personal housing mortgage loan has already become the most widely used loan form. The personal housing loan has not been developed for a long time in our country, but in recent years, with the change of the economic system, the industrialization and the rapid development of the urbanization. Personal consumption loans in China are growing rapidly, among which personal housing loans account for the largest proportion. Since Baoding Branch of Bank A started the personal housing loan business, the total amount of personal housing loan has increased by leaps and bounds. At the same time, the default loan has also appeared an upward trend, which makes the risk of personal housing loan gradually appear. The risk of personal housing loan is an important risk in the process of commercial bank management, which occupies a very important position in all risks of commercial bank. At present, Bank A Baoding Branch has become an important issue. Therefore, the author starts with the current situation of the personal housing loan business in Baoding Branch, combines the local economic development situation of Baoding City and the basic situation of the real estate market in Baoding City. In order to reduce the risk of loan, we investigated the basic situation of individual housing loan borrowers in Bank A Baoding Branch and the operational norms of bank lenders, trying to find out the main factors that caused the default and to reduce the risk of loans. To maintain the good rate of return on personal housing loan, the author designs an effective solution, and then puts forward reasonable and scientific suggestions for further improving the breach of personal housing loan in Bank A Baoding Branch. This paper holds that Baoding Branch of Bank A should also strengthen the risk consciousness of employees, do a good job of customer selection, formulate credit quality assessment scheme and implement risk manager system to reduce the default risk of personal housing loan.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.479

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