中国建设银行个人住房贷款业务风险管理研究

中国建设银行个人住房贷款业务风险管理研究摘要目前，随着我国的房产行业迅速发展，其市场资源也相对丰富，交易市场也比较旺盛，因此使各大商业银行的个人住房贷款业务也随之得到了相应的发展，从而实现了全国的个人住房贷款业务快速增长，而且这种增长与往年比相对更加强劲。近年来由于中国宏观经济低迷，商业银行个人住房贷款业务的风险系数也在逐步增加，个人住房贷款资产质量的下滑趋势明显，这说明银行住房贷款业务的办理与审核的流程中存在一定的问题，对商业银行长远的发展一定有不好的影响。所以对于商业银行来说，做好不断发展银行业务的同时处理好风险管理的问题，并不是一件易事。目前中国建设银行的个人住房贷款服务是相当全面的，涵盖的范畴也是相当宽泛的，不管是个人短期住宅装修房贷，还是长期抵押按揭，又或者个人公积金房贷等，均可以享受到建行的一站式全面的服务，为居民的个人购房提供了很大的方便。与此同时，建设银行仍面临着部分个人房贷业务风险与风险管理的问题。本文通过剖析中国建设银行的个人住房贷款业务发展现状以及风险构成、面临的新问题，并提供有关优化个人住房贷款风险管理的措施与意见，以期待更好地促进建行个人住房贷款业务风险管理的改革创新。关键词：个人住房贷款：风险管理：中国建设银行-I-Research on Risk Management of Personal Housing Loan Businessof China Construction BankAbstractAt present,along with the instant development of China's real estate industry,itsmarket resources are relatively abundant and the market is strong,therefore,the personalhousing loan business of major commercial banks has also been developed accordingly,soas to realize the country's rapid growth of individual housing loan business,and thisgrowth is relatively stronger than in previous years.In recent years,due to China's macroeconomy and the risk factor of commercial banks'personal housing loan business is alsogradually increasing,the downward trend in the asset quality of individual housing loan isobvious,so this shows that there are certain problems in the process of handling andreviewing the bank's housing loan business,which has a certain bad impact on thelong-term development of commercial banks,so it is not an easy task for commercialbanks to continuously develop banking business while dealing with risk management.China Construction Bank individual housing loan service is quite comprehensive and thecategory of the cover is quite broad,whether short-term personal house decoration housing,or long-term mortgages,or personal accumulation fund loans,etc,you can enjoy theone-stop comprehensive service of CCB,which provides great convenience for residents tobuy a personal mortgage.Even if China Construction Bank does so comprehensively,itstill confronts some of the risks and risk management problems of the personal mortgagebusiness.This article analyzes the development of personal housing loan services of ChinaConstruction Bank,its risk composition and new problems,and providing measures andopinions on optimizing the risk management of personal housing loan,and we hope tobetter promote the reform and innovation of personal housing loan service riskmanagement of China Construction Bank.Key Words Personal Housing Loan Business;Risk Management;China ConstructionBankII-目录摘要.........Abstract......II一、引言…(一)研究背景.…(二)研究目的与意义(三)研究思路与研究内容.2(四)研究方法与拟创新之处…2二、理论基础与文献综述4(一)理论基础…4(二)文献综述51.国外文献综述.52.国内文献综述….5三、中国建设银行个人住房贷款业务发展现状及风险构成.8(一)中国建设银行个人住房贷款业务发展现状分析..81.中国建设银行个人住房贷款业务及其特色产品….82.中国建设银行个人住房贷款业务业绩情况.10(二中国建设银行个人住房贷款业务的风险构成..11四、中国建设银行个人住房贷款业务风险管理存在的问题…14(一)个人住房贷款产品重收益轻风险管理.14(二)个人信用评估标准和评估体系不健全.15(三)资产质量管控不主动16(四)个人住房贷款业务发展缓慢…16五、优化中国建设银行个人住房贷款业务风险管理的对策建议…17(一)加强个人住房贷款产品风险管理.17(二)健全个人征信体系….17(三)重点管控资产质量.…18(四)提高进入房地产市场准入门槛18结论20注释.21参考文献….22II