《青岛市商业银行房地产信贷风险及对策研究》-毕业设计（论文）.docVIP

本 科 毕 业 论 文 青岛市商业银行房地产信贷风险 及对策研究 The Research of Real Estate Credit Risk and Countermeasure in Qingdao Commercial Bank of China 学 院： 商学院 专业班级： 学生姓名： 学 号： 指导教师： 2012年6月 毕业论文中文摘要 青岛市商业银行房地产信贷风险及对策研究 摘 要：房地产行业是市场经济中的一项基础产业，是我国启动内需、促进经济增长、改善人民生活的主要途径之一，房地产信贷同样作为商业银行的一项核心业务，对促进房地产这一行业的进步发展，提高银行自身营业收益有着重大的意义。 近几年来，随着房地产热的升温，房价步步上涨，各大商业银行发放的房地产贷款额度也越来越多，机遇往往伴随着挑战，银行房地产信贷的风险也日趋严重，逐渐会威胁到商业银行的生存和发展。本文通过对近几年来青岛市商业银行房地产贷款的现状研究，说明了规避房地产信贷风险是一个刻不容缓的问题。主要的问题包括信贷人员的专业水平及素质道德偏低、操作流程不完善及管理体制不健全。并根据青岛市商业银行的实际情况，结合自己的观点，提出了防范商业银行房贷风险的建议、措施，来增强青岛市商业银行的竞争力，维护银行的信贷安全。 关键词：青岛市商业银行；房地产行业；信贷风险；风险控制；对策 毕业论文外文摘要 The Research of Real Estate Credit Risk and Countermeasure in Qingdao Commercial Bank of China Abstract: Real estate business is an important basic business in the national economy, it is also one of the most important ways to start up the domestic demand, to improve the economic growth and standard of living. Real Estate Loans business is also a core business of commercial bank, it plays a very important role of promoting the development of Real Estate and in creasing benefit of commercial band itself. In recent years, with the intensification hot of the real estate, the room rate goes up step by step, the amount is more and more that the real estate that every large commercial bank grants the loan, the opportunity is often following the challenge, the risk of the loan of real estate of commercial bank is also serious day by day and it threaten the existence and development of the commercial bank gradually. This text passes the current situation research of the loan of real estate of Qingdao Commercial Bank in recent years correctly, the risk is a very urgent question after putting forward the real estate of evading and granting the loan . The main problems include credit personnel professional ability and quality of moral