【摘要】：自改革開發(fā)以來，國人消費理念高速轉變，提前消費觀念逐漸盛行，個人住房按揭貸款買房成為國人購房時首選。長期以來,個人住房按揭貸款因具有貸款時間長，利息收益穩(wěn)定的特點，被銀行視為安全性高收益高的銀行業(yè)務品種之一。參照各國商業(yè)銀行經(jīng)驗，個人住房按揭貸款從貸款的發(fā)放到出現(xiàn)違約風險的時間一般為3年到8年，從我國商業(yè)銀行個人住房按揭貸款發(fā)展來看，正在逐步進入違約的高峰期，這也與真實狀況相符,多數(shù)商業(yè)銀行的個人住房按揭貸款違約率逐年攀升。不僅如此，在個人住房按揭貸款業(yè)務開展初期，由于商業(yè)銀行的管理粗曠，風險把控不嚴，預計我國個人住房按揭貸款的違約率和不良率將持續(xù)上升。 本文重點研究了個人住房按揭貸款中借款人違約、開發(fā)商違約、宏觀經(jīng)濟環(huán)境變化所造成的違約、銀行內部操作風險所造成的違約和假按揭所造成的違約五種常見的違約形式，對其違約原因和特點進行了逐一分析。并以華夏銀行S分行為例，結合具體實際案例舉例說明，介紹了在防范控制上述違約風險的具體措施和取得的成效。 本文將采取理論結合實際的研究方法撰寫，所謂理論指學習之前國內外對個人住房按揭貸款風險分析的重要結論及華夏銀行S分行對個人住房按揭貸款的相關制度規(guī)定；所謂實踐就是將理論學習的知識結合到華夏銀行S分行個人住房按揭貸款的實際業(yè)務中去，看看理論是否適合實踐，能否在實際工作中發(fā)揮作用。 本文創(chuàng)新之處在于提出銀行是否可以采取多種擔保組合的方式為借款人辦理個人住房按揭貸款。如除去所購房產(chǎn)抵押之外可否讓第三自然人再次對此筆貸款進行擔保；或引入擔保公司進行擔保；或引入保險公司違約進行保險，，上述擔保方式選擇2種或2種以上組合對一筆個人住房按揭貸款進行擔保。 最后本文提出，傳統(tǒng)的、單一的擔保方式不足以對抗個人住房按揭貸款中的多種風險，提出第三自然人全程保證擔保、擔保公司全程擔保、購買個人住房按揭貸款違約保險三種新的擔保形式，并建議采取多種擔保方式為一筆個人住房按揭貸款提供擔保。
[Abstract]:Since the reform and development, people's consumption concept has changed rapidly, the concept of consumption in advance has gradually prevailed, and personal housing mortgage loans have become the first choice when people buy houses. For a long time, individual housing mortgage loan is regarded as one of the kinds of high security and high income banking business by banks because of its long loan time and stable interest income. Referring to the experience of commercial banks in various countries, the time between the issuance of personal housing mortgage loans and the risk of default is generally three to eight years. From the perspective of the development of individual housing mortgage loans of commercial banks in China, they are gradually entering the peak period of default. This is in line with the real situation, with most commercial banks' default rates on individual home mortgages rising year by year. Moreover, in the early stage of individual housing mortgage loan business, due to the rough management of commercial banks, the risk control is not strict, it is expected that the default rate and the bad rate of personal housing mortgage loan will continue to rise in our country. This paper focuses on five common default forms: borrower default, developer default, default caused by the change of macroeconomic environment, default caused by internal operational risk of bank and default caused by false mortgage. The reasons and characteristics of breach of contract are analyzed one by one. Taking the S branch of Huaxia Bank as an example, the paper introduces the concrete measures and achievements in preventing and controlling the risk of breach of contract. This article will adopt the theory and the actual research method to write, the so-called theory refers to the domestic and foreign before the study to the individual housing mortgage loan risk analysis important conclusion and the Huaxia bank S branch to the individual housing mortgage loan related system stipulation; The so-called practice is to combine the knowledge of theoretical study into the actual business of individual housing mortgage loan in S branch of Huaxia Bank to see if the theory is suitable for practice and whether it can play a role in practical work. The innovation of this paper is whether banks can handle individual housing mortgage loans for borrowers in the form of multiple guarantee combinations. If it is possible to allow the third natural person to guarantee the loan again, in addition to the mortgage on the property purchased; or to introduce a guarantee company to guarantee the loan; or to introduce the insurance company in breach of contract to insure the loan, Two or more combinations are chosen to guarantee a personal housing mortgage loan. Finally, this paper puts forward that the traditional, single guarantee method is not enough to resist the multiple risks in the personal housing mortgage loan, and the third natural person guarantee, the guarantee company guarantee the whole process, Three new forms of guarantee for personal mortgage loan default insurance are proposed and a variety of guarantees should be adopted to guarantee a single individual housing mortgage loan.
【學位授予單位】：武漢工程大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.479

【共引文獻】

相關期刊論文 前3條

1 龔瀟瀟;王朝暉;洪志興;;考慮投資者套現(xiàn)行為的住房抵押貸款期權定價模型[J];經(jīng)濟評論;2013年06期

2 陳雯;胡振華;;基于GMDH模型和Monte Carlo模擬的商業(yè)銀行個人住房貸款風險度量[J];蘭州學刊;2014年05期

3 丁彥皓;;中國住房抵押貸款證券化信用風險波動因素檢驗——基于宏觀經(jīng)濟波動視角的論證[J];現(xiàn)代財經(jīng)(天津財經(jīng)大學學報);2013年12期

相關博士學位論文 前8條

1 侯向麗;中國住宅二級市場稅收調控政策效應研究[D];遼寧大學;2011年

2 時筠侖;房地產(chǎn)波動規(guī)律研究[D];同濟大學;2005年

3 馬喜德;中國抵押支持證券定價與設計研究[D];廈門大學;2007年

4 余建源;中國房地產(chǎn)市場調控研究[D];上海社會科學院;2009年

5 李洪俠;城鎮(zhèn)基本住房保障體系研究[D];財政部財政科學研究所;2012年

6 蘇麗麗;弱專利有效性下的銀行質押貸款問題研究[D];華中科技大學;2013年

7 薛春龍;美國住房金融及其風險防范機制研究[D];吉林大學;2013年

8 蘇麗麗;弱專利有效性下的銀行質押貸款問題研究[D];華中科技大學;2013年

本文編號：2233129