《浅析我国商业银行个人住房贷款的风险管理》-毕业论文设计（学术).docVIP

w 浅析我国商业银行个人住房贷款的 风险管理 作者姓名： 专业班级： 指导教师： 摘要 个人住房贷款业务一直以可靠的担保、较高的收益受到各家商业银行的青睐。然而，由于我国个人住房贷款业务存在内部系统不完善、风险防范机制不健全等原因，给商业银行带来了一定程度上的风险隐患，同时，国家目前实行从紧的货币调控政策，贷款门槛陡增，这对我国商业银行的经营效益提出挑战。 本文从我国商业银行个人住房贷款现状入手，分析商业银行个人住房贷款业务存在的风险，并提出风险管理措施，以期为商业银行个人住房贷款业务的风险规避提供借鉴。 关键字：商业银行 个人住房贷款 风险管理Analysis of individual housing loans of commercial banks in risk management Abstract：Individual housing loan business has been a reliable guarantee higher returns the favor by commercial banks. However, due to the existence of individual housing loan business within the systems are imperfect, risk prevention mechanism is not perfect and other reasons, to a certain degree of commercial banks on the potential risks at the same time, countries are to implement tight monetary control policy, the loan threshold steep Growth, which is the operational effectiveness of Chinas commercial banks to challenge. In this paper, individual housing loans of commercial banks in the status quo of individual housing loans of commercial banks, business risks, and proposed risk management measures to individual housing loans for commercial banks to provide a reference to avoid business risks. Key words: Commercial Banks Individual Housing Loan Risk Management目录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc295207932第1章 前言 PAGEREF _Toc295207932 \h 1 HYPERLINK \l _Toc2952079331.1研究背景及意义 PAGEREF _Toc295207933 \h 1 HYPERLINK \l _Toc2952079341.2国内外研究现状及存在的不足 PAGEREF _Toc295207934 \h 1 HYPERLINK \l _Toc2952079351.3本文主要研究内容 PAGEREF _Toc295207935 \h 2 HYPERLINK \l _Toc295207936第2章 个人住房贷款业务概述 PAGEREF _Toc295207936 \h 3 HYPERLINK \l _Toc2952079372.1个人住房贷款的概念 PAGEREF _Toc295207937 \h 3 HYPERLINK \l _Toc2952079382.2个人住房贷款的种类 PAGEREF _Toc295207938 \h 3 HYPERLINK \l _Toc2952079392.3个人住房贷款的主要特点 PAGEREF _Toc295207939 \h 3 HYPERLINK \l _Toc2952079402.4个人住房贷款业务的担保方式 PAGEREF _Toc295207940 \h 4 HYPERLINK \l _Toc295207941第3章 我国商业银行个人住房贷款业务概况 PAGEREF _Toc295207941 \h 5 HYPERLINK \l _Toc2952079423.1我国商业银行个人住房贷款业务发展