摘要
當(dāng)住房消費(fèi)成為新的消費(fèi)熱點(diǎn)后，房地產(chǎn)金融業(yè)務(wù)的重心也逐漸從房地產(chǎn)開(kāi)發(fā)貸款向個(gè)人住房貸款業(yè)務(wù)轉(zhuǎn)移。進(jìn)一步推進(jìn)個(gè)人住房貸款業(yè)務(wù)的發(fā)展，成為房地產(chǎn)業(yè)金融發(fā)展的重要問(wèn)題。任何金融業(yè)務(wù)的核心問(wèn)題都是風(fēng)險(xiǎn)問(wèn)題，個(gè)人住房抵押貸款也不例外。
本文通過(guò)對(duì)xx銀行個(gè)人住房貸款客戶償債行為現(xiàn)行評(píng)價(jià)體系問(wèn)題的分析，結(jié)合xx銀行個(gè)人住房貸款業(yè)務(wù)存在的信用風(fēng)險(xiǎn)問(wèn)題，揭示了上海xx銀行個(gè)人住房貸款信用管理機(jī)制存在的缺陷。在介紹國(guó)外成熟的住房貸款風(fēng)險(xiǎn)管理模式的基礎(chǔ)上，針對(duì)xx銀行個(gè)貸業(yè)務(wù)中存在的風(fēng)險(xiǎn)，提出了xx銀行個(gè)人住房貸款信用風(fēng)險(xiǎn)的防范措施。

關(guān)鍵詞 xx銀行 個(gè)貸風(fēng)險(xiǎn) 信用管理

Abstract
Since the housing consumption became a new hot spot,the focus of the real estate finance business has gradually shifted to the transfer of personal housing loans from real estate development loans. This further promoted Individual housing loans business development, becoming the most important issue. The core issue is risk for any financial service. And, personal housing mortgage loans is no exception.
In this paper, it revealed the defects of individual housing loan credit management mechanism in Shanghai Pudong Development Bank through analysing the exiting eva luation system about Shanghai Pudong Development individual housing loan customers’ behavior in paying off debt, combining with the credit risk existing in Shanghai Pudong Development Bank individual housing loan business. In the introduction of the foreign mature housing loans risk management model, it put forward to the measures to prevent individual housing loan credit risk to Shanghai Pudong Development Bank, based on the risks Shanghai Pudong Development Bank personal loan business,.

Key words commercial bank personal loan risk credit management


目 錄
摘要 1
Abstract 2
第1章 緒論 5
1.1 研究背景 5
1.2 國(guó)內(nèi)外研究現(xiàn)狀 6
1.2.1國(guó)外研究現(xiàn)狀 6
1.2.2國(guó)內(nèi)研究現(xiàn)狀 8
1.3.1研究目的 9
1.3.2研究意義 9
1.4 研究的方法 10
2.1 個(gè)人住房貸款信用風(fēng)險(xiǎn)的含義 10
2.1.1信用及信用風(fēng)險(xiǎn)的基本內(nèi)涵 10
2.1.2商業(yè)銀行個(gè)人住房貸款及其信用風(fēng)險(xiǎn) 11
2.1.3商業(yè)銀行個(gè)人住房貸款信用風(fēng)險(xiǎn)的特征 11
2.2 國(guó)內(nèi)個(gè)人住房貸款信用管理體系 12
2.2.1個(gè)人住房貸款信用管理體系的構(gòu)成 12
2.2.2我國(guó)個(gè)人住房貸款信用風(fēng)險(xiǎn)管理狀況 13
2.3 國(guó)外個(gè)人住房貸款信用管理體系 15
第3章 上海xx銀行個(gè)貸信用風(fēng)險(xiǎn)分析 17
3.1 上海xx銀行股份有限公司簡(jiǎn)介 17
3.2 上海xx銀行個(gè)人住房貸款的現(xiàn)狀 17
3.2.1現(xiàn)行的客戶償債行為評(píng)價(jià)方法和指標(biāo) 17
3.2.2現(xiàn)行的客戶償債行為評(píng)價(jià)方法和指標(biāo)的不足 21
3.3.1部分業(yè)務(wù)未嚴(yán)格執(zhí)行xx銀行制定的政策 22
3.3 上海xx銀行個(gè)人住房貸款的信用風(fēng)險(xiǎn)的產(chǎn)生 22
3.3.2部分業(yè)務(wù)貸前調(diào)查不規(guī)范 22
3.3.3合同內(nèi)容不規(guī)范、不完整 23
3.4上海xx銀行個(gè)人住房貸款存在問(wèn)題的影響 24
第4章 xx銀行個(gè)貸信用風(fēng)險(xiǎn)防范對(duì)策 25
4.1 認(rèn)真做好貸款貸前準(zhǔn)入，貸時(shí)審查流程中的工作 25
4.2 進(jìn)一步規(guī)范操作流程，明確貸前貸后調(diào)查職責(zé) 26
4.3 增加衡量風(fēng)險(xiǎn)的指標(biāo) 26
4.4 增加對(duì)其家庭財(cái)產(chǎn)情況的考察 28
4.5 增加對(duì)貸款額與抵押物評(píng)估價(jià)值比的指標(biāo)項(xiàng)的考核 29
結(jié) 論 30
參考文獻(xiàn) 31
致 謝 32
附錄1 33
附錄2 36