工商银行个人住房按揭贷风险防范研究——以淮南工商银行为例

工商银行个人住房按揭贷风险防范研究—一以淮南工商银行为例摘要我国经济高速发展，个人信贷业务也随着快速发展，而个人信贷业务对提高内需，促进消费也有拉动作用。有正必有反，在个人信贷业务规模不断扩大的同时，信贷的违约等风险问题也日益突出，这些风险问题如果不对其加以防范，将不利于我国信贷市场的发展。在工商银行中，个人住房贷款业务已经成为了银行非常重要的贷款业务及客户的重点消费种类。目前，个人住房贷款业务存在些许不足，虽然国家放宽住房按揭贷款的政策，工商银行在发放贷款及后期管理方面仍存在缺陷，这样会存在较多潜在风险。政策的放宽实现了工商银行自身的壮大。但是为了规避潜在风险，，除了通过后期监管的制度化、业务操作的规范化、以及贷款抵押评估科学化等措施之外，还要在让银行服务于社会的同时，实现自身向更加高质量、迅速、科学化的方向发展。本文认为淮南工商银行个人住房按揭贷款存在一定的风险，从淮南工商银行个人住房按揭贷款的发展现状，风险问题等方面展开研究，探索防范对策，加强对工商银行信贷的管理。关键词：按揭贷款；潜在风险；信贷管理-I-The Subject of Undergraduate Graduation Project (Thesis)of BHUAbstractWith the rapid development of China's economy,personal credit business alsodevelops rapidly,and personal credit business also plays a stimulating role in improvingdomestic demand and promoting consumption.While the scale of personal credit businesscontinues to expand,the risk problems such as credit default are becoming increasinglyprominent.If these risk problems are not prevented,they will not be conducive to thedevelopment of China's credit market.In ICBC,personal housing loan business has becomea very important loan business of the bank and the key consumption type of customers.Atpresent,there are some deficiencies in personal housing loan business.Although the staterelaxes the policy of housing mortgage loan,ICBC still has defects in loan issuance andlater management,which will have more potential risks.The relaxation of the policy hasrealized the growth of ICBC itself.However,in order to avoid potential risks,in additionto the institutionalization of later supervision,the standardization of business operation andthe scientization of loan mortgage evaluation,banks should also realize their owndevelopment in a higher quality,rapid and scientific direction while serving thesociety.This paper believes that there are certain risks in the personal housing mortgageloan of Huainan industrial and Commercial Bank of China,and studies the developmentstatus and risk problems of personal housing mortgage loan of Huainan industrial andCommercial Bank of China,so as to explore preventive countermeasures and strengthenthe credit management of industrial and Commercial Bank of China.Key Words:Write Criterion:Typeset Format:;Credict ManagementII-目录摘要.......IAbstract.一、引言…(一)国内外文献综述.21.国外研究综述….22.国内研究综述…2(二)研究内容.。.3(三)创新点3二、准南工商银行个人住房按揭贷款研究的理论基础.4（一）信用风险理论.4(二)风险控制理论4三、淮南工商银行个人住房按揭贷的发展现状..5(一)贷款规模…5(二)疫情影响下的贷款现状.5(三)贷款的改进6(四)贷款的特点6四、淮南工商银行个人住房按揭贷款存在的风险问题.6(一)系统风险….61.法律风险..62.流动性风险.…7（二)银行后期管理风险.7(三)开发商及地产中介带来的风险.81开发商售房手续不齐全或不规范引起监管处理的风险。.82.开发项目因资金链断裂引起烂尾带来的风险。.83.开发商为摆脱资金困境，恶意骗取贷款的风险。8(四)项目存在的风险….9(五)信用风险…9(六)抵押风险和欺诈风险.9(七)缺乏创新意识..10五、淮南工商银行个人住房按揭贷款风险防范对策…10(一)建立科学和严格的业务管理流程..10III(二)加强银行业务人员的培训.11(三)加强银行对房地产开发企业的审查121.将房地产信贷政策的执行情况作为宏观估的标准。122.工商银行应当落实房地产开发企业管理的各项要求。…123.严格选择房地产开发企业。.124.银行要严格审查房地产开发企业项目的合法性。.125.加强合作机构的资质审核。.12(四)在确定贷款的资金量时要结合外部环境的宏观政策…12(五)改善个人信用风险的识别与评估环境..13(六)加强银行内部的管控建设13(七)提出针对性的创新对策…14结444444444444444-IV