建设银行广州分行个人住房贷款风险分析

建设银行广州分行个人住房贷款风险分析摘要随着我国国民经济持续增长，房地产行业也欣欣向荣，这在一定程度上促进了我国房地产上下游行业的快速发展，如个人住房贷款业务。对于个人住房贷款业务而言，以往常将其作为低风险贷款业务，而随着我国产业结构的不断调整，以及房地产行业出台了一系列的相关政策后，在一定程度上造成我国商业银行个人住房贷款业务风险增加。鉴于此，在本文中以建设银行广州分行作为研究对象，探究我国个人住房贷款业务存在的相关风险，并根据其目前存在的相关问题，提出相应的解决对策，为有效提高我国商业银行贷款风险管控水平提供一定的理论支撑，促进我国金融市场的发展。关键词：建设银行：个人住房贷款：贷款ANALYSIS ON MARKETING MODEL OF PROPERTYINSURANCE BUSINESS OF MAOMING BRANCH OFPEOPLE'S INSURANCE COMPANY OF CHINAABSTRACTWith the continuous growth of China's national economy,the real estate industry is alsothriving,which to a certain extent has contributed to the rapid development of China's realestate upstream and downstream industries,such as personal housing loan business.For thepersonal housing loan business,it is usually treated as a low-risk loan business,but with thecontinuous adjustment of China's industrial structure and the introduction of a series ofpolicies related to the real estate industry,to a certain extent,this has caused an increase in therisk of personal housing loan business of commercial banks in China.In view of this,in thispaper,the Guangzhou branch of the Construction Bank as the object of study,to explore therisks associated with China's personal housing loan business,and according to its currentproblems,put forward the corresponding solutions to provide some theoretical support for theeffective improvement of China's commercial bank loan risk control level,to promote thedevelopment of China's financial market.Keywords:bank for economic construction;Personal housing loans;loan目录1绪论.1.1研究背景....1.2研究意义.....1.3研究思路及方法。。。··21.3.1研究思路....1.3.2研究方法......32建设银行广州分行个人住房贷款业务现状及存在的问题.··2.1建设银行广州分行简介与业务情况..............52.2建设银行广州分行个人住房贷款业务现状..........62.2.1建设银行广州分行个人住房贷款业务规模及增长状况..·62.2.2建设银行广州分行个人住房贷款业务存在的问题...·...·73建设银行广州分行个人住房贷款风险分析93.1建设银行广州分行个人住房贷款风险因素.…93.1.1信用风险......3.1.2操作风险.........93.1.3市场风险.………103.1.4其他风险.……103.2建设银行广州分行个人住房贷款风险管理不足的原因......103.2.1缺乏完整统一的内部管理方法......103.2.2领导干部的监督存在漏洞..........103.2.3流程执行中不够谨慎严格....…104防范建设银行广州分行个人住房贷款风险的对策..·114.1建立健全个人信用评估体系...…..…114.2加强按揭业务发放管理，防范操作风险...............114.3建立健全个人住房贷款相关的法律制度，最大限度避免市场风险..，1244加强银行的内部管理…125结论13参考文献14致谢.。15