个人住房贷款中不良信贷风险管理研究

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1、毕业论文题目个人住房贷款中不良信贷风险管理研究学院经济学院专业金融学班级金融0801学生朱思克学号20082207166指导教师刘承伟二〇一二年五月二十日摘要随着我国金融体系建设的进一步发展和市场体制的迅速完善，银行的贷款业务逐渐向个人完全展开，个人贷款的业务种类不断增多，业务范围持续扩大，特别是个人住房贷款业务的发展更为迅猛。我国个人住房贷款业务在其发展的同时，存在的不良信贷风险问题以及竞争形势不容乐观，在一定程度上阻碍了个人住房贷款业务的发展，要持续快速发展，必须加强对一系列问题的研究管理。本文从分析目前我国个人住房贷款业务的发展

2、现状入手，指出存在的问题以及问题出现的原因，并着重针对商业银行如何发展好个人住房贷款业务减少不良信贷风险，借鉴国外的经验教训，并提出思考及相应对策进行管理，以加快这一业务的正确快速发展。关键词：个人住房贷款；不良信贷风险；现状；问题；对策ABSTRACTWiththedeepeningofChina'seconomicsystemreformdevelopmentandcontinuousimprovementofthesystemofthemarketeconomy,banks'lendingbusinessbecomescompl

3、etelyopentoindividuals,personalloansofbusinessgrowing,continuestoexpandthescopeofbusiness,especiallythedevelopmentofindividualhousingloanmorequickly.PersonalhousingloanbusinessinChinaatthetimeofitsdevelopment,therearebadcreditrisksaswellasthecompetitivesituationisnotopt

4、imistic,toacertainextent,hamperthedevelopmentofindividualhousingloans,tosustainabledevelopment,researchmanagementmustbestrengthenedonanumberofissues.Thisarticlefromthecurrentdevelopmentstatusofindividualhousingloanbusinesstostart,pointedoutthatbecauseoftheexistingproble

5、msaswellasproblemsandfocusonhowtodeveloppersonalhousingloanbadcreditriskreduction,foreignexperiencesandlessonslearned,andthoughtsandcountermeasuresformanagement,topromotethehealthyandrapiddevelopmentofthebusiness.Keywords:housingloanstoindividuals；badcreditrisks；present

6、situation；problem；countermeasure目录摘要........................................................................................................................................IABSTRACT.........................................................................................

7、..................................II一、前言................................................................................................................................1(一)个人住房贷款概述..........................................................................................

8、.....11.个人住房贷款的定义.......................................................................................12.个人住