- I -
摘要
由于近年来我国的房价上涨速度明显，个人住房贷款就成为了非常流行的房地产金
融方式，但因为经济的发展和个人偿还能力发生冲突，导致个人住房贷款的风险也在逐
渐显现出来。个人住房贷款风险识别及控制对于商业银行的稳定发展、规范发展和可持
续发展，都有着很大的重要性，尤其是现在许多的商业银行过于依赖个人住房贷款业务，
也导致商业银行在发展过程中因个人住房贷款增量增加而带来了许多的危险。笔者就基
于这一问题进行分析，同时结合大连市Z银行的实际现状进行实际的考察和了解，对Z
银行的工作人员及与银行贷款业务相关的业内人士进行咨询调查及访谈，最后对大连市
Z银行个人住房信贷业务进行风险识别，对房贷业务风险及控制现状进行了解，发现Z
银行个人住房信贷业务存在的问题，结合该银行的市场环境管理环境、人员构成、组织
管理、个人住房贷款业务推广及营销方式及其个人住房信贷政策等相关的问题进行具体
的讨论，希望获得有效结论
关键词：Z银行；个人住房贷款；风险识别；控制策略
- II -
Research on risk identification and control strategy of individual
housing credit business of Z bank in Dalian
Abstract
Due to the relatively rapid rise of housing prices in recent years, personal housing loan
has become a very popular way of housing finance. But because of the conflict between
economic development and personal repayment ability, the risk of personal housing loan is
gradually showing up. Individual housing loan risk identification and control for the
development of the stable development of commercial banks, standardized and sustainable
development, has great importance, especially now that many commercial banks rely too
much on individual housing loan business, but also lead to commercial banks in the process of
development and bring a lot of risk due to the increase of incremental housing loans to
individuals. The problem was analyzed based on the actual, and combined with the actual
situation of Dalian Z Bank study and understanding of Z bank staff and bank loans and
business consulting industry survey and interview, finally the risk identification of individual
housing credit business of Z Bank of Dalian, to understand the situation the mortgage
business risk and control, found the existence of individual housing credit business of Z bank,
specifically discuss problems with the bank's market environment management environment,
personnel structure, organizational management, individual housing loan business promotion
and marketing and other related individual housing credit policy, hoping to obtain a valid
conclusion.
Key Words：Z bank; personal housing loan; risk identification; control strategy
- III -
目录
摘要 ..... I
Abstract ..... II
1绪论 ...... 1
1.1研究背景 ........... 1
1.2研究内容及方法 ........... 2
1.2.1研究内容2
1.2.2研究方法3
1.3文献综述 ........... 4
1.3.1国外研究情况 .... 4
1.3.2国内研究情况 .... 5
1.3.3文献述评6
2大连市Z银行概况及个人住房信贷业务现状 ......... 7
2.1大连住房信贷市场环境分析 ... 7
2.2Z银行个人住房贷款业务发展概况 ... 8
2.2.1Z银行基本介绍8
2.2.2个人住房贷款业务发展概况 .... 9
2.3Z银行个人住房信贷政策 ....... 9
3大连市Z银行个人住房信贷业务风险及识别 ....... 11
3.1Z银行个人住房信贷业务风险来源 . 11
3.1.1借款人风险 ...... 11
3.1.2银行自身产生的风险 .. 12
3.1.3开发商项目风险 .......... 13
3.1.4市场利率风险 .. 13
3.1.5政策风险 .......... 14
3.2Z银行个人住房信贷业务风险识别 . 14
3.2.1业务人员问题 .. 14
3.2.2借款人问题 ...... 16
3.2.3房地产项目按揭合作问题 ...... 16
3.2.4银行风险管理问题 ...... 17
3.3Z银行个人住房信贷业务风险指标体系 ..... 19
3.3.1评价指标体系设立的目标 ...... 19
- IV -
3.3.2评价指标体系设计原则 .......... 20
3.3.3指标的选取与比例 ...... 21
3.3.4指标细化分层 .. 22
3.3.5指标评价计算案例 ...... 24
4Z银行个人住房信贷业务风险控制策略 .... 30
4.1外部监管及内部控制策略 ..... 30
4.1.1外部监管策略 .. 30
4.1.2内部控制策略 .. 30
4.2审核风险策略 . 31
4.2.1内部人员的审核 .......... 31
4.2.2对外部的审核 .. 33
4.3完善银行风险评估系统建设 . 34
4.3.1基于大连本地客户完善信用数据库建设 ...... 34
4.3.2重视评估技术的实用性和先进性 ...... 35
4.3.3促进区域银行信用记录信息共享 ...... 35
4.4应对利率风险 . 35
4.5调整贷款业务结构完善服务能力 ..... 36
结论 ...... 37
参 考 文 献 .......... 1
致谢 .... 1
大连理工大学学位论文版权使用授权书 . 2。