随着房地产行业如火如荼的进行，商业银行中关于个人住房贷款的份额也 跟着与日俱增。相比较其他类型的贷款而言，个人住房贷款由于其额度高、年 限长、违约率低等特点，成为商业银行利润收入的主要来源，也是各大商业银 行争相抢夺的市场资源。信贷规模的扩大，在给商业银行带来丰富的营业收入 的同时，也伴随着信贷风险的产生。不良贷款的规模增加，不良率的升高，渐 渐的成为了制约商业银行在信贷市场稳步发展的的重要项目。 本研究论述了H银行在个人住房贷款业务方面的现实情况、运行模式、风 险管理方面的措施和手段，通过结合H银行自身的最新个人住房贷款业务相关 数据，案例汇集总结，着眼于H银行在信贷风险管理方面的现状分析，运用查 阅相关研究文献、定性的理论研究和定量的数据分析等方法，从中得到具有可 行性的启发。要想减少风险所带来的损失，在借鉴科学的风险管理方法的同时， 强化风险管理在商业银行经营活动中的观念，从信贷业务受理的源头开始，做 到流程监控、环节可查、规范操作，让由此产生的风险可以通过规范的流程和 制度避免。本研究结合商业银行自身的经营特点建立有效的信贷风险管理机制。 为商业银行在个贷风险管理领域提供建设性意见。 关键词：个人住房贷款，商业银行，风险管理 硕士研究生学位论文 II Abstract Withtherealestateindustryinfullswing，Commercialbanksontheshareof personalhousingloansisalsogrowing，Comparedwithothertypesofloans，Dueto thehighamountofpersonalhousingloans，longtermandlowdefaultrate，Become themainsourceofcommercialbankprofitincome，Itisalsothemarketresourcesthat themajorcommercialbanksscramblefor，Theexpansionofcreditscale，While bringingrichbusinessincometocommercialbanks,itisalsoaccompaniedbycredit risk，Thescaleofnon-performingloansincreasesandthenon-performingrate increases，Ithasgraduallybecomeanimportantprojectrestrictingthesteady developmentofcommercialbanksinthecreditmarket， ThisstudydiscussestherealityofHbankinpersonalhousingloanbusiness， Operationmode，Measuresandmeansofriskmanagement，Bycombiningthelatest personalhousingloanbusinessdataofHbank，Casesummary，Thispaperfocuseson thecurrentsituationofHbankincreditriskmanagement，Thispaperfocusesonthe currentsituationofHbankincreditriskmanagement，Thispaperfocusesonthe currentsituationofHbankincreditriskmanagement，Fromthis,wecangetfeasible inspiration，Inordertoreducetheriskofloss，Thisrequirescommercialbanksto continuouslyimprovetheawarenessofriskmanagement，Usingscientific managementmethodstoreducetheoccurrenceofrisk，Fromthesourceofcredit businessacceptance，Toachieveprocessmonitoring,linkscanbechecked, standardizedoperation，Sothattheresultingriskscanbeavoidedthrough standardizedprocessesandsystemsbinedwiththeirowncharacteristicsof commercialbankstoestablishaneffectivecreditriskmanagementmechanism，To provideconstructivesuggestionsforcommercialbanksinthefieldofpersonalloan riskmanagement. keyword：Personalhousingloan，commercialbank，riskmanagement. 硕士研究生学位论文 III 目录 摘要.....................................................................................................................................................I Abstract............................................................................................................................................II 第1章绪论......................................................................................................................................1 1.1选题背景及意义................................................................................................................1 1.1.1选题背景.................................................................................................................1 1.1.2选题意义.................................................................................................................2 1.2国内外商业银行信贷业务风险管理研究综述................................................................2 1.2.1国内相关研究........................................................................................................2 1.2.2国外相关研究........................................................................................................4 1.2.3国内外商业银行信贷业务风险管理研究评价....................................................5 1.3主要研究思路与方法........................................................................................................6 1.3.1主要研究思路........................................................................................................6 1.3.2主要研究方法........................................................................................................8 1.4本文创新点........................................................................................................................9 1.5本文不足之处....................................................................................................................9 第2章商业银行个人信贷业务风险管理相关理论分析.............................................................9 2.1商业银行经营特点及监管特征........................................................................................9 2.1.1商业银行的经营特征............................................................................................9 2.1.2商业银行的经营原则..........................................................................................10 2.1.3商业银行监管的内容..........................................................................................10 2.1.4商业银行监管的准则及方法..............................................................................10 2.2商业银行信贷业务风险及管理概述..............................................................................11 2.2.1个人信贷业务相关概念......................................................................................11 2.2.2个人信贷业务风险概述......................................................................................11 2.2.3商业银行信贷业务风险分类..............................................................................12 2.2.4商业银行信贷业务风险评判标准......................................................................14 2.2.5商业银行个人信贷业务风险特征......................................................................15 硕士研究生学位论文 IV 2.2.6个人信贷业务风险管理概述..............................................................................15 2.3商业银行风险管理相关研究理论..................................................................................15 2.3.1个人信用风险理论..............................................................................................15 2.3.2委托代理理论......................................................................................................16 2.3.3信贷配给理论......................................................................................................16 2.3.4政府干预理论......................................................................................................17 2.3.5全面风险管理理论..............................................................................................17 第3章银行业信贷业务及风险管理现状....................................................................................17 3.1H银行业务发展概况.......................................................................................................17 3.2H银行个人贷款业务相关概述.......................................................................................18 3.2.1H银行个人住房贷款产品简介...........................................................................18 3.2.2H银行个人住房贷款业务流程...........................................................................19 3.2.3H银行个人住房贷款业务发展现状...................................................................21 3.3H银行个人住房贷款风险管理现状...............................................................................22 3.4国内外商业银行个人信贷业务风险管理现状.............................................................23 3.4.1建行A分行信贷风险管理经验..................................................................23 3.4.2招行B分行信贷风险管理经验..........................................................................24 3.4.3香