陈冠华论文修改建议11.10

本科毕业论文

题目论我国住房抵押商业贷款的风险

Subject The risk of housing mortgage loan business in our country

姓名陈冠华

准考证号011114401104

所在学院继教（公开）学院

专业金融管理

指导教师张靓芝职称讲师

完成时间２０１6 年１1 月10日

摘要：中国改革开放30年来居民住房的条件有很大的改善，房地产在国民经济中占有特殊的地位。住房抵押商业贷款作为一种重要的金融工具，在我国已实行了十余年，但至今都没有发挥其应有的作用。近些年来房价上涨较快，我国住房抵押商业贷款发展迅猛，随之而来问题也越来越多。我国住房抵押商业贷款抵借比率过小、贷款期限过短、首付款过大、还款方式单一，已不能适应不同层次购房者的贷款要求，对其进行创新设计已成为当务之急。丰富的住房抵押商业贷款产品不仅可以满足更多借款人的需求，也可以提高金融机构的综合竞争力，并完善我国住房抵押贷款市场，进而扩大住宅市场的有效需求。本文主要对住房抵押商业贷款的概念、现状进行详细数据分析，并从风险分析等方面探讨、提出了降低风险以及风险出现后的处理措施和对策[1]。

关键词：住房抵押商业贷款；现状；风险分析；防范措施

The risk of housing mortgage

loan business in our country

Abstract: Since the policy of Reform and Opening is implemented in China, the housing condition of our country has been improved greatly, and the real estate occupies a special position in the national economy. As an important

financial tool, commercial housing mortgage loan has been implemented for over ten years in our country, but until now, it has not played out its due role. In recent years, the price of house risen quite fast, the mortgaging house as commercial loan developed rapidly, but problems come out more and more, following by it: The ratio between mortgaging and borrowing is too small in China, the loan term is too short; Initial payment is too large; the repayment methods are too less. Commercial housing mortgage loan cannot meet the loan requirements for different levels buyers, so innovation for it has become imperative. Much more choice for mortgage house as commercial loan Commercial housing mortgage loan not only can meet more borrowers’ needs, but also can improve the comprehensive competitiveness of financial institutions, and perfect the housing mortgage loan market of our country, thereby expanding the effective demand of the housing market. This article mainly analyzes the concept and recent status of commercial housing mortgage loan, and puts forward the countermeasures and countermeasures after the risk reduction and the risk appearing from the aspects of risk analysis and theoretical research.

Key words: commercial housing mortgage loan; status; risk analysis; preventive measures

目录

一、绪论................................. 错误！未定义书签。

（一）商业住房抵押贷款的内涵......................... 错误！未定义书签。（二）选题背景以及研究意义........................... 错误！未定义书签。

1、选题背景..................................... 错误！未定义书签。

2、研究意义..................................... 错误！未定义书签。

二、我国住房抵押商业贷款有哪些风险...... 错误！未定义书签。

（一）最直接、最基本的信用风险....................... 错误！未定义书签。

1.由借款人主观产生的理性违约行为................ 错误！未定义书签。

2 由于借款人支付能力下降产生的被迫违约行为...... 错误！未定义书签。

3.借款人主动进行的提前还款行为.................. 错误！未定义书签。（二）作为商业银行次要还款来源的抵押物风险........... 错误！未定义书签。

1.由于抵押物处置不当所带来的风险................ 错误！未定义书签。

2.由于抵押物价格下降所带来的风险................ 错误！未定义书签。（三）个人住房贷款的流动性风险....................... 错误！未定义书签。（四）市场风险与政策风险............................. 错误！未定义书签。

1.由于经济发展而带来的市场风险.................. 错误！未定义书签。

2.由于政府经济政策调整所带来的政策风险.......... 错误！未定义书签。（五）开发商管理不当所带来的风险..................... 错误！未定义书签。

1.由于开发商经营管理失误导致的风险.............. 错误！未定义书签。

2.假冒个人贷款的风险............................ 错误！未定义书签。（六）由于银行内部因素而带来的管理风险............... 错误！未定义书签。

1.银行内部违规操作环节所带来的风险.............. 错误！未定义书签。

2.缺乏健全的体制与不对称的信息所带来的风险...... 错误！未定义书签。

三、我国住房抵押商业贷款的风险防范措施.... 错误！未定义书签。

（一）严格遵守并执行国家的房贷政策................... 错误！未定义书签。（二）建立健全银行内部信贷管理机制................... 错误！未定义书签。

1.严格审查房贷申请资格.......................... 错误！未定义书签。

2．加强贷款抵押物审查力度....................... 错误！未定义书签。

3．严格审查与银行合作的开发商................... 错误！未定义书签。

4．对于个人住房贷款资金进行严格支付与管理....... 错误！未定义书签。

5．严格管理放款后工作........................... 错误！未定义书签。（三）为防范风险建立风险预警系统..................... 错误！未定义书签。

四、结语 (11)

参考文献 (11)