中国工商银行XX分行个人住房抵押贷款风险分析

摘要

我国房地产业快速发展促使住房抵押贷款规模不断扩大,个人住房抵押贷款已经成为商业银行贷款发放的重要组成部分,由此对贷款的风险管理提出了很高的要求。住房抵押贷款业务的开展具有极为重要的意义：就微观层面言之，它使购房人的支付能力增强，住房需求提前得到满足，居住条件得到改善，银行和房地产开发商也从中获得巨大的经济利益；就宏观层面言之，一方面，它推进了我国的住房制度改革，另一方面，扩大了内需，促进了房地产业及相关产业的发展，拉动了国民经济增长。文章分析了个人住房抵押贷款作为一种主要的住房金融工具在银行信贷总额中占有很大的比重，且具有贷款额大、还款期长的特点。

关键词: 中国工商银行xx分行 ;住房抵押贷款; 风险

Abstract

the rapid development of real estate industry in our country to housing mortgage continues to expand the scale of individual housing mortgage has become a commercial bank loans, which is an important part of the risk management of loans raised very tall requirement. Housing mortgage loan business development has a very important significance: just say for micro level of the person that buy a house, it makes pay ability strengthens, housing needs met, ahead of living conditions improved, Banks and property developers also gain enormous economic interests; Will the macroscopic level of words, on the one hand, it boosted our housing system reform, on the other hand, expanding domestic demand and promoting the real estate industry and the related industries, pull up the national economic growth. This paper analyzes the individual housing mortgages as a major housing finance tools in bank credit has a large proportion in the total, and has the characteristic with long, bitter payments.

Key words: icbc Inner Mongolia branch; Housing mortgage loan; risk

目录

1.引言 (1)

1.1研究目的 (1)

1.2研究综述 (1)

1.2.1国外的研究 (1)

1.2.2国内的研究 (2)

2. 中国工商银行XX分行个人住房抵押贷款业务发展现状 (3)

2.1中国工商银行XX分行的基本概况 (3)

2.2中国工商银行XX分行个人住房抵押贷款业务发展的基本现状 3

2.3经济效益的分析 (4)

3. 中国工商银行XX分行个人住房抵押贷款风险分析 (4)

3.1中国工商银行XX分行个人住房抵押贷款风险分析的基本状况 4 3.2中国工商银行XX分行的风控管理水平 (5)

3.3应用期权理论研究个人住房抵押贷款违约风险 (6)

3.4个人住房抵押贷款违约风险微观因素研究 (6)

4.个人住房抵押贷款风险防范的对策和建议 (7)

4.1制度建设及风险意识方面 (7)

4.2操作环节方面 (8)

5.结论 (9)

致谢 (10)

参考文献 (11)