追溯2008年美国次贷危机，多数学者认为触发全球性金融风险的直接原因是美国、 英国、爱尔兰、西班牙等危机国家的房价暴跌，更深层次原因是个人住房贷款者的违约 和抵押贷款机构的破产。反观我国房地产市场，则是在宏观政策刺激和银行信贷支持的 双重作用下得以快速发展，在拉动地方经济增长和提高人民生活水平方面发挥支柱作用 时，也大大促进个人住房贷款规模增长与需求增加。 伴随着住房贷款业务量的逐年攀升，防范和化解其中各类风险成为J银行广西分行 拓展业务的重点与难点。那么，获得多少信用评分的贷款申请人可以取得J银行广西分 行授信并获得贷款支持？如何规避房价波动对个人住房贷款违约的影响？如何提前识 别住房贷款履约过程中的各项风险？何种审评流程更高效、更合理？以上都是J银行广 西分行拓展个人住房贷款业务需要关注且防范的风险。本文以J银行广西分行个人住房 贷款业务风险管理为研究对象，结合该项业务的经营现状和对业务开展过程中具体风险 分析的基础上，提出有针对性的具体风险管理措施，以期使该项业务成为J银行广西分 行营业利润的主要增长点。 结合广西房地产市场实际发展情况与商业银行个人住房贷款风险研究动态的基础 上，本文首先阐述个人住房贷款的内涵、触发的风险类型以及分析J银行广西分行个人 住房贷款风险及防范措施所需要的理论基矗随后，围绕J银行广西分行2016年-2019 年个人住房贷款业务发展现状，着重分析个人住房贷款业务经营情况、涉及该项业务的 风险管理内容和现状，同时指出J银行在拓展该项业务中的主要问题。其次，依据业务 所涉及的风险类型，分别从信用风险层面，市场风险层面和操作风险层面深入剖析各类 风险的形成原因、具体表现、造成损失等。最后，综合J银行广西分行个人住房贷款业 务的现状分析、风险剖析和相关研究结论基础上，针对不同类型风险提出差异化的防范 措施。 关键词：商业银行；个人住房贷款；风险管理 II RESEARCHONRISKMANAGEMENTOFPERSONAL HOUSINGLOANINJBANKGUANGXIBRANCH ABSTRACT Lookingbackonthe2008subprimemortgagecrisisintheUnitedStates,mostscholars believethatthedirectcauseoftheglobalfinancialriskisthecollapseofhousingpricesinthe crisiscountriesoftheUnitedStates,theUnitedKingdom,Ireland,andSpain.Thedeeper reasonisthedefaultofindividualhousinglendersandthebankruptcyofmortgage institutions.Incontrast,China'srealestatemarkethasbeenrapidlydevelopedunderthedual roleofmacropolicystimulusandbankcreditsupport.Whenitplaysapillarroleindriving localeconomicgrowthandimprovingpeople'slivingstandards,italsogreatlypromotesthe growthofpersonalhousingloansandtheincreaseindemand. Withtheincreasingvolumeofhousingloanbusinessyearbyyear,preventingand mitigatingvariousriskshasbecomethefocusanddifficultyofJBankGuangxiBranch's businessexpansion.So,howmanyloanapplicantsgetcreditscorescanobtaincreditfromJ BankGuangxiBranchandobtainloansupport?Howtoavoidtheimpactofhouseprice fluctuationsonpersonalhousingloandefaults?Howtoidentifyvariousrisksintheprocessof housingloanperformanceinadvance?Whatkindofreviewprocessismoreefficientand reasonable?ThesearetherisksthatJBankGuangxiBranchneedstopayattentiontoand preventfromexpandingitspersonalhousingloanbusiness.Thisarticletakestherisk managementofpersonalhousingloanbusinessofJBankGuangxiBranchastheresearch object,combinesthebusinessstatusofthebusinessandthespecificriskanalysisinthe processofbusinessdevelopment,andproposestargetedspecificriskmanagementmeasures inordertomaketheprojectBusinesshasbecomethemaingrowthpointoftheoperating profitofJBankGuangxiBranch. OnthebasisoftheactualdevelopmentoftherealestatemarketinGuangxiandthe dynamicsofcommercialbankpersonalhousingloanriskresearch,thisarticlefirstdescribes theconnotationofhousingloans,thetypesofriskstriggeredandthetheoryneededtoanalyze therisksofhousingloansandpreventivemeasuresofJBankGuangxiBranchbasis. III Subsequently,focusingonthedevelopmentstatusofthehousingloanbusinessofJBank GuangxiBranchin2016-2019,itfocusedontheanalysisoftheoperationofpersonalhousing loanbusiness,theriskmanagementcontentandstatusofthisbusiness,andpointedoutthe mainproblemsofJBankinexpandingthisbusiness.Secondly,accordingtothetypesofrisks involvedinthebusiness,fromthecreditrisklevel,themarketrisklevelandtheoperational risklevel,thein-depthanalysisofthecauses,specificperformance,andlossesofvarious typesofrisks.Finally,basedontheanalysisandrelevantresearchconclusionsofthepersonal housingloanbusinessofJBankGuangxiBranch,differentiatedpreventivemeasuresare proposedfordifferenttypesofrisks. KEYWORDS：BankofCommerce；PersonalHousingLoan；RiskManagement I 目录 摘要...........................................................................................................................................I ABSTRACT..............................................................................................................................II 第一章绪论.............................................................................................................................1 1.1研究背景和研究意义.................................................................................................1 1.1.1研究背景...........................................................................................................1 1.1.2研究意义...........................................................................................................2 1.2国内外研究现状.........................................................................................................2 1.2.1国外研究现状...................................................................................................2 1.2.2国内研究现状...................................................................................................4 1.2.3国内外研究述评...............................................................................................6 1.3研究目的与方法.........................................................................................................6 1.3.1研究目的...........................................................................................................6 1.3.2研究方法...........................................................................................................7 1.4研究内容与创新之处.................................................................................................7 1.4.1研究内容...........................................................................................................7 1.4.2创新之处...........................................................................................................9 第二章研究相关的理论基础...............................................................................................10 2.1相关概念界定...........................................................................................................10 2.1.1个人住房贷款.................................................................................................10 2.1.2个人住房贷款风险.........................................................................................11 2.2信息不对称理论.......................................................................................................12 2.3风险管理理论...........................................................................................................14 2.4本章小结...................................................................................................................15 第三章J银行广西分行个人住房贷款及其风险管理现状...............................................16 3.1J银行广西分行个人住房贷款业务概况................................................................16 3.1.1基本情况.........................................................................................................16 3.1.2业务现状分析.................................................................................................16 II 3.2J银行广西分行个人住房贷款风险管理现状........................................................20 3.2.1风险管理内容.................................................................................................20 3.2.2风险管理流程.................................................................................................21 3.2.3风险管理现状分析.........................................................................................22 3.3J银行广西分行个人住房贷款风险管理存在的主要问题.......