XX经纪公司在个人二手住房贷款中的风险管理分析-工商管理专业论文.docxVIP

西安建筑科技大学硕士学位论文 西安建筑科技大学硕士学位论文 万方数据 万方数据 XX 经纪公司在个人二手住房贷款中的风险管理分析 专 业：工商管理 研 究 生：肖 健 指导教师：兰 峰 教授 摘 要 现阶段，我国个人二手住房贷款的资源主要集中在各房地产中介机构手中， 中介机构如何有效识别贷款业务中的风险因素和形成原因，有助于其贷款业务的 顺利开展；同时提前识别二手住房交易及贷款申请中可能出现的风险，对降低交 易各方以及商业银行的贷款风险有着积极的意义。 本文从中介机构、借款人、银行、抵押物、市场环境等多个角度分析了我国 二手住房贷款风险形成的原因；通过对 XX 经纪公司经营现状的调查，分析其贷 款风险管理流程和措施，构建了个人二手住房贷款的风险评价指标体系,并进行分 析，同时提出现有风险管理措施的局限性；通过对国外先进地区个人住房贷款的 风险控制经验的总结与分析，针对 XX 经纪公司在个人住房贷款中风险管理提出 了对策建议：健全风险管理的组织架构，明确风险管理部门职责，完善贷款操作 业务流程，协助商业银行完善贷前调查、建立健全的成交客户数据信息平台、建 立产权保险制度等风险控制措施。 本文以 XX 经纪公司为研究对象，对控制个人二手住房贷款的风险提出了具有 针对性的防范措施和建议，研究对其他房地产中介机构和金融担保机构具有一定 的借鉴意义。 关键词：二手住房贷款；风险管理；贷前调查 西安建筑科技大学硕士学位论文 西安建筑科技大学硕士学位论文 西安建筑科技大学硕士学位论文 西安建筑科技大学硕士学位论文 万方数据 万方数据 万方数据 万方数据 XX brokerage company in the personal second-hand housing loan risk management analysis Specialty: Business Administration Name: Xiao Jian Instructor: Professor Lan Feng ABSTRACT Personal second-hand housing loan resources at present, China mainly concentrated in the hands of the real estate intermediary agencies, intermediary institutions how to effectively identify risk factors and the reasons of loan business, and help its loan business smoothly; At the same time, early recognition of second-hand housing transactions and possible risk in the loan application, to reduce the parties and the loan risk of commercial Banks is of positive significance. This article from the intermediaries, borrowers, Banks, pawn, market environment, and other Angle analyzes the formation cause of second-hand housing loan risk; Through XX of the investigation of the status quo of the brokerage business, analyze the loan risk management processes and measures to build the personal second-hand housing loan risk evaluation index system, and carries on the analysis, the limitations of the existing risk management measures are put forward at the same time; Based on foreign advanced areas of personal housing loan risk control experience summary and analysis, in view of the XX brokerage company in the personal housing loa