商业银行毕业论文.docVIP

内蒙古本科毕业论文 商业银行开展房地产信贷业务存在的问题 及对策 --以呼和浩特市为例 作 者 院 系 专 业 年 级 学 号 指导教师  导师职称 内 容 提 要 近年来，呼和浩特市房地产投资额平均增长率达20%左右，销售额以每年27%的速度增长，房地产呈现迅猛发展势头，需要大量银行贷款提供资金来源。但也存在商业银行为抢占房地产信贷业务与争取实力雄厚的房地产开发企业客户无序竞争，违规贷款等问题，虽然目前房地产信贷业务没有发生金融风险，但在房地产开发商自有资金比例过低及住房消费信贷首付比例过低的情况下，房地产开发企业出现资金链条断裂及消费者出现断供进而引发商业银行信贷危机具有一定的可能性。本文旨在通过分析呼和浩特地区商业银行对房地产开发企业信贷业务现状，提出相关对策和建议，希望有助于促进本地区商业银行房地产信贷业务健康发展。 关键词：商业银行 房地产信贷 信贷风险 风险控制 Abstract In recent years, Hohhot average growth rate of real estate investment of about 20%, 27% ??annual sales growth rate, real estate, showing the rapid development momentum, requires a lot of bank loan funding. But there are also commercial banks to seize the real estate credit business and the strength of the real estate development for corporate clients and disorderly competition, illegal loans, although the current real estate credit business without the financial risk, but its own funds in the real estate developers Proportion of low and low down payment ratio of housing consumer credit situation, real estate development enterprises have broken the chain of funds and consumers appear for triggering off the credit crisis, commercial banks have some possibilities. This paper analyzes commercial banks in Hohhot credit status of real estate development company, puts forward strategies and recommendations to help promote regional commercial banks in the healthy development of real estate credit business. Key words: Commercial banks Reale state credit Credit risk Risk control 目 录 TOC \o 1-2 \h \z \u 一、呼和浩特市商业银行房地产信贷业务发展现状 1 二、呼和浩特市商业银行开展房地产信贷业务存在的问题 2 （一）房地产开发企业过分依赖银行贷款，银行成为风险转嫁对象 2 （二）房地产开发企业以非等级企业为主，套取房地产信贷资金现象频繁 2 （三）借款企业资信系统尚未建立，容易引发信贷风险 3 （四）同业间无序竞争，违规贷款时有发生 3 （五）过分重视抵押物，忽略借款人还款来源分析 3 （六）利率尚未市场化及利率差的扩大，冲销利率作为政策操作指标的能力 4 三、呼和浩特市商业银行发展房地产信贷业务对策及建议 4 （一）严控投机性房贷，刺激真实住房需求 4 （二）精细化抵押物管理 ，有效降低商业银行信贷风险 5 （三）商业银行应提高认识，理性开展房地产信贷业务 5