目 录
第一章 绪论··1
1.1 选题背景及研究意义 ··1
1.2 国内外相关研究综述 ··2
1.2.1 国外研究综述 2
1.2.2 国内研究综述 3
1.2.3 研究评价 4
1.3 研究内容与方法 ··5
1.3.1 研究内容 5
1.3.2 研究方法 5
第二章 相关概念及理论基础··6
2.1 个人住房贷款基础概念 ··6
2.1.1 个人住房贷款概念 6
2.1.2 个人住房贷款的特点 ·6
2.1.3 个人住房贷款的运作程序 7
2.2 个人住房贷款风险含义及特征 ··7
2.2.1 个人住房贷款风险含义 7
2.2.2 个人住房贷款风险特征 7
2.3 个人住房贷款风险分类 ··8
2.3.1 房地产开发企业风险 8
2.3.2 操作风险 9
2.3.3 抵押物风险 9
2.3.4 市场风险 9
2.4 个人住房贷款风险管理的理论基础 ··9
2.4.1 资产负债综合管理理论 10
2.4.2 全面风险管理理论 10
2.4.3 理性违约理论及被迫违约理论 10
2.4.4 信息不对称理论 11
2.4.5 信贷配给理论 12
第三章 建行上饶市分行个人住房贷款业务经营管理现状与 风险控制分析·13
3.1 我国个人住房贷款业务发展现状及其风险成因分析 ··13
3.1.1 我国个人住房贷款业务发展现状 13
3.1.2 个人住房贷款风险成因分析 15II
3.2 建行上饶市分行分行个人住房贷款业务现状 ··18
3.2.1 总体情况 18
3.2.2 同行业对比情况 20
3.2.3 资产质量情况 21
3.3 建行上饶市分行个人住房贷款风险管理现状及存在问题分析 ··22
3.3.1 贷后管理工作现状及存在问题分析 22
3.3.2 内控管理方面的现状和存在问题分析·23
第四章 建行上饶市分行个人住房贷款风险防范对策 ·26
4.1 营造管理文化26
4.1.1 增强风险管理意识 26
4.1.2 大力开展风险文化体系构建工作 26
4.1.3 强化风险管理人才队伍的建设和素质的提升 27
4.2 加强个人住房贷款风险管理制度的建设 ··27
4.2.1 加强信贷业务管理制度的建设 27
4.2.2 健全风险报告制度建设 28
4.2.3 强化风险监测预警体系 28
4.2.4 完善内部控制制度 28
4.3 增强市场判断和决策能力 ··29
4.3.1 加强对宏观经济发展趋势和房地产市场的调查研究29
4.3.2 实行差别化管理理念 29
4.4 健全完备的内控管理机制 ··31
4.4.1 强化监督管理机制的完善 31
4.4.2 健全激励与约束相结合的制约机制 31
4.4.3 细化岗位责任制 31
4.4.4 实行管理责任制 32
4.4.5 提升整体的信息技术支持能力 32
第五章 结论··34
参考文献··35
致 谢··37III
Contents
Part 1 Chapter is introduction1
1.1 background and significance of the study··1
1.2 review of relevant research at home and abroad 2
1.2.1 Foreign research review 2
1.2.2 Domestic research summary ·3
1.2.3 Research and evaluation 4
1.3 research contents and methods ·5
1.3.1 Research content 5
1.3.2 Research methods ··5
Part 2 the related concepts and theoretical basis ··6
2.1 basic concepts of housing loans 6
2.1.1 Personal housing loan concept ··6
2.1.2 Characteristics of individual housing loans 6
2.2.3 Personal housing loan operation procedure ··7
2.2 The meaning and characteristics of the risk of housing loan ··7
2.2.1 Personal housing loan risk meaning 7
2.2.2 Personal housing loan risk characteristics 7
2.3 individual housing loan risk classification ··8
2.3.1 Real estate development enterprise risk 8
2.3.2 Operational risk9
2.3.3 The risk of collateral caused by ·9
2.3.4 Market risk ·9
2.4 theoretical basis of loan risk management 9
2.4.1 Asset and liability management theory10
2.4.2 Comprehensive risk management theory 10
2.4.3 Theory of rational default and forced breach of contract. ··10
2.4.4 Information asymmetry theory 11
2.4.5 Credit rationing theory 12
Part 3 Construction Bank Shangrao branch individual housing loan business
management present situation and risk control analysis13
3.1 personal housing loan business development status and risk factors analysis in
China ··13IV
3.1.1 Development status of individual housing loan business in China 13
3.1.2 Personal housing loan risk analysis ··15
3.2 individual housing loan business of Shangrao branch of China Construction Bank
··18
3.2.1 General situation ·18
3.2.2 Industry comparison of the same.20
3.2.3 Asset quality 21
3.3 personal housing loan risk management status and existing problems of Shangrao
branch of China Construction Bank ··22
3.3.1 After loan management status and problems of analysis 22
3.3.2 Internal control management of the status quo and problems of analysis ·23
Part 4 Construction Bank Shangrao branch personal housing loan risk
prevention countermeasure26
4.1 create management culture ·26
4.1.1 Enhanced awareness of risk management ··26
4.1.2 To carry out the construction of risk culture system ··26
4.1.3 to strengthen the construction and quality of risk management personnel to
enhance the quality of ··27
4.2 To strengthen the construction of personal housing loan risk management system
··27
4.2.1 To strengthen the construction of credit business management system ·27
4.2.2 Sound risk reporting system construction ·28
4.2.3 Strengthen risk monitoring and early warning system28
4.2.4 To improve the internal control system ··28
4.3 enhance market judgment and decision making ability·29
4.3.1 To strengthen the macro economic development trend and the real estate
market research·29
4.3.2 Implementation of differentiated management ideas ·29
4.4 sound and complete internal control management mechanism ·21
4.4.1 To strengthen the supervision and management mechanism of the perfect
··31
4.4.2 Perfect combination of incentive and restraint mechanism 31
4.4.3 Detailed post responsibility system·31
4.4.4 Implementation of the management responsibility system·32V
4.4.5 To enhance the overall information technology support capacity··32
Part 5 conclusion·34
Reference ·35
To thank ··371
摘 要
随着我国大力推行城镇化建设以及人们生活水平的提高，居民改善住房条件
的需求旺盛，个人住房贷款也成为商业银行重要的利润增长点。建行是我国开办
个人住房贷款最早的商业银行之一，发展迅速。面对周期性的经济危机和我国经
济下行压力的影响，个人住房贷款已经进入风险高发阶段，如何识别、防范、控
制和管理个人住房贷款风险，提升整体资产运行质量，已成为迫切需要解决的问
题，本文分析了上饶市建行的个人贷款风险因素，全面探索了该行风险管理体系
的构建和相关的措施，具有较强的现实意义和理论价值

本文明确了选题的背景和意义，并重点介绍与该课题相关的金融风险的研究
成果，回顾和总结了国内外对于商业银行对个人住房贷款的风险研究方面的理论
成果和最新动态。在界定了个人住房信贷风险的定义和特征后，对于商业银行个
人住房贷款风险进行分类归纳、分析了风险成因并对贷款风险管理理论进行阐述

结合建设银行上饶市分行个人住房贷款风险管理的现状与问题进行深入分析，并
对建设银行上饶市分行的个人住房贷款业务现状及管理模式做出描述，深入分析
内部风险管理体系的特点、风险管理中存在的问题。在现状方面主要是围绕着上
饶市建行的总体情况、同业对比情况、资产质量情况进行分析；在个人住房贷款
管理风险方面主要是从贷后管理和内控管理两大方面展开

基于商业银行的风险管理理论和上饶市建设银行分行的现状入手，提出了防
控风险的优化措施：打造先进风险管理文化，主要是构建风险文化体系、增强风
险管理意识和强化人才队伍建设和素质等；加强个人住房贷款风险管理制度的建
设，围绕加强信贷业务管理制度的建设、健全风险报告制度建设、强化风险监测
预警体系、完善内部控制制度；增强市场判断和决策能力，从加强对宏观经济发
展趋势和房地产市场的调查研究和实行差别化管理理念；健全完备的内控管理机
制则通过强化监督管理机制的完善、健全激励与约束相结合的制约机制、细化岗
位责任制实行管理责任制、提升整体的信息技术支持能力

关键词：上饶市建行；个人住房贷款；风险；成因；控制2
Abstract
Along with our country to vigorously promote the urbanization construction and
the improvement of peoples living standards, improve the housing conditions of the
residents demand for individual housing loans has also become an important profit
growth point of commercial bank. CCB is one of the commercial banks in China for
individual housing loans early, rapid development. In the face of the impact of cyclical
economic crisis and Chinas economic downward pressure, individual housing loans has
entered the stage of risk, how to