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| 论文编号： | 2415 | |
| 作者编号： | 2220070802 | |
| 上传时间： | 2010/6/10 11:15:12 | |
| 中文题目： | 商业银行个人住房按揭贷款风险分析及防范 | |
| 英文题目： | The Risk Analysis of Commercial Banks for Personal | |
| 指导老师： | 杨斌 | |
| 中文关键字： | 关键词：商业银行，个人住房按揭贷款，风险分析，防范措施 | |
| 英文关键字： | Key phrase：Commercial bank，Personal Housing Mortgage Loan，Risk analysis，Protective measure | |
| 中文摘要： | 我国的个人住房按揭贷款起步于1998年，真正发展是在2000年以后。由于个人住房按揭贷款具有风险小、利息收入稳定、市场潜力大等优点，成为各家商业银行竞相抢占的个人信贷业务之一。商业银行对个人住房贷款的投放逐年快速增长，个人住房按揭贷款所占个人消费贷款比重迅速提高，自2001年以来，我国个人住房贷款占全部个人消费贷款的比重已从75%上升到91%。 但是，随着个人住房贷款规模的不断扩大，个人住房贷款业务的风险正逐渐累积。个人住房按揭贷款所具有的特点，决定了个人住房贷款呈现出分散性、隐蔽性和滞后性等风险特征。有效识别与防范个人住房贷款面临的潜在风险，对于商业银行健康发展与保持金融系统稳定具有重要意义。 本文认真分析了商业银行个人住房按揭贷款业务的现状，总结了个人住房按揭贷款的内涵与特点，结合商业银行风险控制理论，从一个银行从业人员的角度，深入剖析了商业银行个人住房按揭贷款的风险类别，对如何防控个人住房按揭贷款的各类风险提出了一些建议和措施。 | |
| 英文摘要： | The Personal Housing Mortgage Loan (PHML) in our country started in 1998, and developed substantively after the year of 2000. Owing to its merits of less risks, stable interest income and big market potential, the PHML has become one of the competing bank credit business of each commercial bank with individuals. As a result, the PHML business of various commercial banks is increasing quickly each year, and the ratio of PHML in the personal bank loan portfolio becomes higher and higher. Since the year of 2001, the ratio of the PHML in the personal bank loan portfolio has increased from 75% to 91%. However, along with the constant increase of amount, the risks of PHML are accumulating gradually. All the specialties born by the PHML have demonstrated its characters of dispersivity, privacy, hysteresis. To identify and prevent the potential risks of the PHML, it has the important significance to maintain the healthy development of commercial banks and financial system stability. This discourse has seriously analyzed the present status of the PHML of commercial banks, summarized its connotation and characters, deeply analyzed the risk category of the PHML from a bank clerk’s viewpoint by applying risk control theory of commercial bank, put forward some suggestions and methods on how to control the risks of PHML. | |
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