工商银行四川省分行房地产信贷风险管理分析.pdfVIP

房地产信贷业务的信用风险管理和操作风险管理两大问题。最后，简 要探讨了市场风险管理问题。 本文第四章简要探讨了商业银行加强房地产信贷风险管理的外 部环境问题。从外部信用环境建设方面，分析了做好房地产信贷风险 管理的环境条件，并提出了建议。 本文的写作力求理论联系实际，尽量通过四川工行的实证分析来 探讨房地产信贷风险管理的思路和措施。但由于本文作者水平有限， 对信贷风险管理的理论探讨尚显粗浅，对四川工行房地产信贷风险管 理的实证分析也不够全面。诸多偏差错漏，敬请各位老师不吝赐教。 关键词： 房地产信贷风险管理工商银行四川省分行 Abstract Sincetheendof creditline the1990s．the ofrealestateofcommercial bankofour hasbeen has becomean country fast，that developed already inassetsbusinessof state—ownedcommercial indispensablepart many banksat loanbecomes them，the oneof present．Among personalhousing thevarietiesofmainbusinessof lines of bankeven competitionevery riskofthecreditline the more．Meanwhile，the of realestateisbeing accumulatedand tOO．Not loanhas aggravatedconstantlyonlydeveloping a bad also loanwhichbreaka relativelyhigh rate，butpersonalhousing contractand”false are and mortgage”loanexposingconstantly．Security benefitofrealestatecreditare and the being challengedqueried．From ofthis theinvestmentinsomeareasbecome beginningyear,because overheatedandthe ofrealestate too fast，etc，the price goesup country real lists estatecreditino