摘 要
随着房地产市场的快速发展，银行个人住房按揭贷款业务也快速增长，可以说，银行个人住房按揭贷款为推动房地产市场快速发展起到了重要作用。也应当看到，很多商业银行在发展个人住房按揭贷款业务时，并没有严格遵守相应的风险管理规范，缺乏科学、先进的个人住房按揭贷款风险管理方法，由此也产生了一系列的问题。近年来，随着房地产市场发展的回落，商业银行在个人住房按揭贷款风险控制方面所暴露出的问题也更加突出，甚至给一些商业银行造成了巨大的财务风险和坏账，影响到了商业银行健康、稳定的发展。
本文以 YC 银行个人住房贷款业务为例进行了研究，旨在通过分析 YC 银行在个人住房按揭贷款风险控制方面存在的问题，提出相应的解决措施，以完善 YC 银行个人住房按揭贷款风险控制，提高其整体的风险控制能力。并且通过对 YC 银行个人住房贷款风险控制进行研究，其在当前存在的部分问题也是当前我国商业银行在个人住房按揭贷款风险控制方面存在的普遍性问题，因而能够为其他商业银行规范个人住房按揭贷款风险控制起到一定的借鉴作用。本文以案例分析的研究方法对 YC 银行个人住房按揭贷款业务的风险控制情况进行分析，发现当前 YC 银行在个人住房按揭贷款风险控制方面还存在着一些较为突出的问题，主要表现为信息不对称风险问题、操作风险问题和信用风险问题。针对这些问题，本文深入分析了其产生的背景和原因，并且提出了相应的完善措施。
关键词：YC 银行，个人住房按揭贷款，风险控制
Abstract
With the rapid development of the real estate market, banks personal housing mortgage loanbusiness is also growing rapidly, it can be said that the bank personal housing mortgage loans tothe important role in promoting the rapid development of the real estate market. It should benoted that many commercial banks in the development of individual housing mortgage loanbusiness, and not strictly comply with the relevant risk management standards, the lack ofscientific and advanced personal housing mortgage loans risk management method, which alsoproduced a series of problems. In recent years, with the development of the real estate marketdecline, commercial banks are exposed in the personal housing mortgage loan risk control issuesare more prominent, and even some commercial banks caused a huge financial risk and badinfluence to the development of commercial banks, health, stability.
In this paper, the individual housing loan business of YC bank is studied as an example,through analysis of the YC bank in personal housing mortgage loan risk control problems, putforward the corresponding settlement measures, in order to improve the YC bank personalhousing mortgage loan risk control, improve the overall risk control ability. And through theresearch on risk control of individual housing loans of YC bank, the universal problem in thepart of the current problems of China is the commercial banks in the personal housing mortgageloan risk control, which can be reference for other commercial banks to regulate individualhousing mortgage loan risk control.Based on the analysis of the case study method of YC bankpersonal housing mortgage loan business risk control analysis, found the YC banks in individualhousing mortgage loan risk control, there are still a number of issues more prominent, mainly interms of the information asymmetry risk, operational risk and credit risk problem. In view ofthese problems, this paper analyzes the background and reasons, and puts forward thecorresponding improving measures.
Key Words: YC Bank,Personal housing mortgage loan,Risk control
目 录
摘 要……I
Abstract …… II
1.1 研究的背景、目的及意义……1
1.1.1 研究背景……1
1.1.2 研究目的及意义……2
1.2 国内外研究现状综述……2
1.2.1 国外研究现状综述……2
1.2.2 国内研究现状综述……4
1.2.3 国内外研究现状评述……5
1.3 主要研究内容与方法……5
1.3.1 主要研究内容……5
1.3.2 主要研究方法……6
1.4 研究路线……7
第二章 核心概念及理论依据……9
2.1 核心概念……9
2.1.1 银行个人住房按揭贷款风险……9
2.1.2 风险控制……10
2.2 理论依据……10
2.2.1 信息不对称理论……10
2.2.2 操作风险理论…… 11
2.2.3 信用风险理论……12
第三章 YC 银行个人住房按揭贷款风险控制现状分析 ……13
3.1 YC 银行个人住房按揭贷款业务基本情况 ……13
3.1.1 YC 银行个人住房按揭贷款发展现状 ……13
3.1.2 YC 银行个人住房按揭贷款业务操作流程 ……14
3.1.3 YC 银行个人住房按揭贷款风险控制现状 ……15
3.2 信息不对称风险控制分析……18
3.2.1 信息不对称风险表现……18
3.2.2 信息不对称风险因素……18
3.2.3 案例分析……19
3.3 操作风险控制分析……20
3.3.1 操作风险表现……21
3.3.2 操作风险因素……21
3.3.3 案例分析……22
3.4 信用风险控制分析……23
3.4.1 信用风险表现……23
3.4.2 信用风险因素……24
3.4.3 案例分析……24
3.5 案例总结……26
第四章 YC 银行风险控制中存在的问题与解决对策 ……27
4.1 YC 银行风险控制中存在的问题 ……27
4.1.1 信息不对称风险问题……27
4.1.2 操作风险问题……28
4.1.3 信用风险问题……30
4.2 解决 YC 银行风险控制问题的对策 ……31
4.2.1 解决信息不对称风险问题的对策……31
4.2.2 解决操作风险问题的对策……32
4.2.3 解决信用风险问题的对策……34
第五章 结论……37
参 考 文 献……39
致 谢……43
