商业银行个人住房贷款的信用风险分析论文.docVIP

毕业(设计)论文 题 目 　　商业银行个人住房贷款的信用风险分析　 学生姓名 周兆怡 专业班级 R会计学2003-3 所在院系　　　　　管 理 学 院　　　　　 指导教师 姜昱汐 职 称 讲师 所在单位 管理学院会计学教研室 教研室主任　　　　　 杜萍 　　　 　　　 　　　 完成日期 2008 年3月21日  摘　　要 当前，我国商业银行面临着资金流动性泛滥以及盈利压力困境，于是各商业银行纷纷调整信贷结构，将个人住房贷款业务作为业务的发展重点和新的业务增长点。但是，商业银行个人贷款业务的发展因风险管理滞后面临着困境。同时，随着国家房地产宏观调控政策进一步释放，使得房地产市场逐渐回归理性，伴随着市场的大幅波动，个人住房贷款业务风险加大。因此，要发展商业银行个人住房贷款业务的关键就是对个人住房贷款业务存在的风险进行分析和防范。 本文对我国商业银行进行个人住房贷款的信用风险分析的必要性和我国商业银行个人住房贷款的信用风险的现状进行分析，对如何完善我国个人信用风险防范体制提出相关建议。本文的基本结构如下：第一部分介绍了本文的目的、研究意义和国内外商业银行个人住房信贷发展的状况。第二部分对我国商业银行个人住房贷款的信用风险现状进行了分析。第三部分对我国商业银行个人住房贷款的信用风险提出相应的解决对策。第四部分对全文进行了总结。 关键词： ABSTRACT Currently Chinas commercial banks are facing liquidity spread and profitability pressure so that all commercial banks are adjusting the credit structure and making the individual housing loan business as the focus of the development and new growth of a business. But due to the backward of risk management, the development of commercial banks personal loan business is facing difficulties. Meanwhile, with the national real estate further release of macro-control policies, it makes the real estate market gradually return rational. However, along with the large swings in the market, individual housing loans are increasing business risks. Therefore, in order to develop commercial banks individual housing loan business the keys are the analysis and preventions on the existence of individual housing loan business risk. In this paper, we talk about the necessity on credit risk analysis of Chinas commercial banks individual housing loans and the status on how to keep away and reply the credit risk of individual housing loans of Chinas commercial banks, and give some relevant recommendations on how to improve Chinas personal credit risk prevention system .The basic structure of this paper is as follows: The first part is elaborate the background and the necessity of Chinas commercial banks on credit risk analysis of individual housing loans