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论文编号：	7274
作者编号：	2220130910
上传时间：	2015/6/4 11:28:23
中文题目：	Z商业银行个人住房贷款风险管理研究
英文题目：	Research on risk management of individual housing loans of Z commercial bank
指导老师：	孙广平
中文关键字：	Z商业银行;个人住房贷款;风险管理;巴塞尔协议
英文关键字：	Z commercial bank; Individual housing loan; Risk management; Basel agreement
中文摘要：	个人住房贷款业务是我国商业银行资产中的主要经济利润增长点。我国房地产市场在前些年迅猛发展，带来的是个人住房贷款业务规模呈快速扩张趋势。个人住房贷款有其相对较低的违约率和较高的收益率特点，使得各家商业银行将其作为优质业务品种竞相争夺市场占有率而优先大力发展，同时也放松了风险管理。现阶段国家宏观经济政策波动较大，房地产行业市场环境错综复杂，个人住房贷款业务进入了风险高发期，美国次贷危机导致的严重后果给予我国商业银行警示。因此，研究如何有效的控制个人住房贷款风险具有较强的理论及现实意义。 本研究以国家持续出台的最新金融政策为研究背景，在总结与评述国内外的个人住房贷款风险管理现状的基础上，结合巴塞尔协议以及动态拨备制度，以Z商业银行为例，进行了较为系统的案例研究。识别了Z银行个人住房贷款风险并对其进行分类，总结Z银行风险管理的现状及存在的问题，并结合这些问题和相关理论提出对于提高Z银行个人住房贷款风险管理的建议，丰富了Z商业银行个人住房贷款风险管理体系的研究，并具有一定的实践意义。
英文摘要：	Individual housing loan business is the primary economic profit of commercial banks of our country. Along with the rapid development of the real estate market in recent years, individual housing loan business has entered a rapid expansion phase, combined with its characters such as relatively low default rates and high yield etc. Individual housing loan as a high quality product, every commercial banks competing to share the market, but these commercial banks also neglect the risk management of the individual housing loan business. Recently the risk of individual housing loan business has entered a peak period with a high incidence of risk. The serious consequences are caused by the subprime mortgage crisis in the USA to give our country a commercial bank warning. Therefore, Research on how to take control of the risk of personal housing loan business has strong theoretical and practical significance. This study under the background of our countries on latest financial policy, based on the summary and review of individual housing loan risk management theory in our country and abroad, combined with Basel Agreement and dynamic provisioning system. We study the Z commercial bank systematically, identification of individual housing loans risk of Z bank and its classification, summarizes the situation of Z bank risk management and the existing problems, combined with these problems and related theory, we put forward the advice to improve the Z bank personal housing loan risk management, so that this study enriches the system of Z bank in personal housing loan risk management and has a certain practical significance.
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