商业银行房地产信贷风险及其防范研究
时间:2018-07-09 20:42 来源:毕业论文 作者:毕业论文 点击:次
| 摘要近年来，房屋价格快速上涨，银行对房地产贷款的规模持续上升，风险逐渐积聚，针对房地产价格的宏观调控政策也纷纷出台。房地产信贷为银行提供了丰厚的利润，但高利润也伴随着高风险，房价一旦下跌，银行将承受巨大的信贷风险，严重时可能造成金融危机。本文通过阐述国内银行房地产信贷主要存在的以下风险：政策、市场、信用与银行自身操作风险。并且通过对个人住房贷款与金融机构贷款余额的比例以及房价收入比的实证分析，研究当前国内房地产信贷风险的情况。对于这种情况，政府方面应加强房地产市场的宏观调控与金融监管；银行方面应适当抑制房地产信贷规模，加快技术创新，谨慎开展房地产金融产品；房地产企业应努力增加筹资途径，提高实力。以此加强对风险的防范，以便能够尽可能减小风险。25515 关键词 商业银行 房地产信贷 风险管理 风险防范 毕业论文外文摘要 Title The Commercial bank Real Estate Credit Risk and Prevention Research Abstract In recent years, real estate prices rose rapidly, banks continued to increase the size of the real estate credit risk continues to accumulate, the macro-control policies for the real estate prices have also been introduced. The real estate market for commercial banks to expand credit business of real estate development offers enormous opportunities, but also hidden a huge credit risk, not only for the stable development of the banking sector may have fatal blow to the entire national economy may also have an enormous damage. Through the current situation of China's commercial banks in real estate credit analysis, found that China's commercial banks in real estate credit mainly credit, interest rate, market and operational risks banks themselves, for these risks. And empirical analysis, as well as the macroeconomic situation of decline housing prices will decline more substantial move up the non-performing loan ratio will further aggravate share. For this situation, the Government should strengthen macro-control and financial regulation of the real estate market; the real estate business should strive to broaden the financing channels and increase their strength; banks should be appropriate to curb real estate credit scale, cautious in real estate financial products. Thereby strengthening risk management and prevention, in order to be able to reduce and avoid risks as much as possible. Keywords commercial bank the real estate credit manageent of risk preventio of risk 目 次 1 引言 1 1.1 研究背景 1 1.2 研究目的和意义 2 1.3 研究方法和内容 2 2 相关文献综述 3 2.1 商业银行房地产信贷现状的相关研究 3 2.2 商业银房地产信贷风险防范的相关研究 3 3 我国商业银行房地产信贷业务及主要风险 4 3.1 我国商业银行房地产信贷业务 4 3.2 当前我国商业银行面临的主要风险 4 4 我国商业银行房地产信贷风险的实证分析 9 4.1 个人住房贷款情况 9 4.2 房价收入比情况 14 4.3 对我国住房房价收入比上限的探讨 15 5 对我国商业银行房地产信贷风险防范的对策建议 18 (责任编辑：qin) |