【作者】 贾慧芬；

【导师】 王满仓；

【作者基本信息】 西北大学 ， 国民经济学， 2008， 硕士

【摘要】 随着我国城市化进程的逐步推进和城镇住房制度改革的不断深入,作为国民经济支柱产业之一的房地产业近年来取得了快速的发展。城镇居民按户计算的住房自有化率达到80%以上,建筑业和房地产业占GDP的比例接近10%。在此背景下,与房地产业相关的房地产信贷也实现了快速增长,并带动了房地产业的进一步发展。同时,在国家各种个人住房信贷支持政策和不断加大的个人住房贷款支撑力度下,商业银行个人住房贷款业务如何健康、稳步的发展,从而使之真正成为房地产业繁荣与发展的金融支持之一,已成为各界关注的重点。而个人住房贷款信贷风险防范,尤其是信用风险防范又是其中重中之重。鉴于此,作者在学习和借鉴前人研究成果的基础之上,结合自己对此问题的进一步研究形成本文。本文通过运用实证分析、数据分析等方法,在对我国房地产市场和个人住房贷款业务的发展历程回顾的基础之上,对我国个人住房贷款信贷风险防范进行了纵横剖析,并结合对国外个人住房贷款信用风险防范的分析,提出了基于我国实情、借鉴国际经验的完善我国商业银行个人住房贷款信用风险防范体系的建议。在外部主要从外部环境建制到内部管理提升两方面逐层展开,外部环境建制主要包括个人征信体系的完善、个人住房抵押贷款担保体系和保险机制的建立、住房贷款抵押证券化,商业银行内部管理提升主要涉及个人住房贷款业务开展前、中、后各个环节的风险防范方面的问题。更多还原

【Abstract】 As the deepening of the urbanization process and reformation of housing system of both rural and urban areas in our nation, the real estate industry, as one of the pillar industries of national economy, has get a quick development in recent years. The self-owned houses rate calculated by family has reached above 80%, and the output value of construction industry and real estate industry has occupied nearly 10% of the GDP. Under this background, the real estate credit, which has a close relationship with real estate industry, has developed more and more quickly, and at the same time it has pushed the real estate industry to obtain a further development. Meanwhile, under the favorable credit policies and the more and more supporting measures for individual housing loan, it has been the focus that how to promote the individual housing loan and make it be the real financial supporting method of estate industry. However, the precaution of the individual housing loan risks, especially the credit risk, is most important. According to all of above, this thesis has come out base on the pre-researches and the authors’ own study on it.Risk management has been regard as the core function of commercial bank by the modern financial theory, and the New Basel had brought forward higher requirement for the building of risk management frame. This thesis will analyze the situation of the precaution of individual housing loan credit risk lengthways and breadthwise, using the method of actual evidences and data analysis. And basing on the research on the precaution of individual housing loan credit risk aboard, the thesis will put forward the precaution system for individual housing loan credit risk which contains both the environment construction from the outside and the management improvement from the inside the commercial bank in China.更多还原