Dissertation > Excellent graduate degree dissertation topics show

Individual Housing Loan Risk Control

Author: ShiZuo
Tutor: ZhengChangJun
School: Huazhong University of Science and Technology
Course: Business Administration
Keywords: ICBC Real estate credit Default risk Risk Management
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 65
Quote: 0
Read: Download Dissertation

Abstract


With China 's sustained and rapid economic development since the end of the ninety years of the twentieth century , China began to implement the reform of the housing system , the disposable income of residents has increased year by year , the level of urbanization accelerate the upgrading of the deepening of the housing reform , the Chinese real estate industry has made considerable development has become an important part of the gross domestic product ( GDP ) . At the same time , as a typical capital-intensive industry , real estate and commercial banks operating activities increasingly closely linked , in case of rising prices , the commercial banks are the individual housing loans as high-quality assets and important business . And because the the rigid domestic housing needs have not been met , the hot money of stir-fried at home and abroad , the local government is the one-sided pursuit of GDP figures and other reasons , the domestic prices of major cities has deviated from its actual value , the real estate bubble is more serious , the risk of default is increasing , real estate financial risks also begun gradually. Therefore , how to prevent and manage the risk of default has become all commercial banks to resolve the issues to be studied . This article to the prevention and management of real estate credit risk of commercial banks as the research object , through domestic commercial bank credit risk analysis summarized its causes . And Xianning Branch ICBC , for example , pointed out that the main problems and shortcomings in risk management through their individual housing credit management process areas : ( 1 ) weak risk awareness ; (2) the loan before the survey and post-loan presence of the practical defects ; ( 3 ) the lack of the whole process of risk assessment mechanism ; ( 4) non-performing assets digestion is weak ; ( 5) the lack of a high-quality loan officers team ; ( 6 ) credit product single . In this paper, the basic theory combined with risk management , combined with advanced thinking and specific measures taken by the major countries in the international community for the housing loan risk control , the main countermeasures proposed housing loans of commercial banks in China risk control : (1) establish a perfect personal credit system ; ( 2 ) establish and improve risk -sharing mechanisms ; ( 3) the establishment of macroeconomic policy analysis of early warning and horizontal communication mechanism ; (4 ) the establishment of a mortgage processing mechanism ; (5) to standardize the bank's internal operational processes , create a professional team ; ( 6 ) rich types of loan products .

Related Dissertations

  1. Study on Development Risk Analysis and Management of Urban Commercial Residence,F293.35
  2. Open pit production accidents studied because of the risk management measures,TD771
  3. The Competition Management System of Harbin 24th Winter Universiade 2009’s Risk Management,G812.2
  4. The Innovative Study Based on the Equity Financing of Forest Management from the View of Sustainable Development,F326.2
  5. Offshore oil platform construction phase Operational Risk Management Research,F426.22
  6. Chemical Industrial Park Environmental Risk Management Technology Source,X327
  7. A Construction Project Owner Risk Management Research,F284
  8. Study on Ecosystem Risk Management of Coal Mine Based on Fuzzy Cognitive-map and Stakeholders’ Participation,X322
  9. Research on Risk Management of Shenyang Yuanda Internal Curtain Wall Project,F426.92
  10. The Compliance Risk Management Study of the Rural Financial Institutions,F832.35
  11. New Basel Capital Accord and Commercial Bank Risk Management,F832.2
  12. Research on the Information Risk Management of the Credit Cooperatives of Shandong Online Banking,F832.2
  13. The CD Commercial Bank IT Risk Management,F832.2
  14. Reseaching on Using of Credit Derivatives of Our Country,F224
  15. The Reform Direction of Baselii Accord under Subprime Crisis and the Inspiration to China,F832.1
  16. Research on the Evaluation and Model of Apparel Supply Chain Risk for Apparel Manufacturing Enterprises,F274;F224
  17. The Research of the Risk Management during the Project of Acrylic Acid in Huayi Corporation,F426.72
  18. Improvement of Laws on the Risk Control of Credit Card Fraud,D924.3;F832.2
  19. Research on Internal Control of X State-owned Grain Enterprise,F324.9
  20. Alleviate the Financial Dilemma of Small and Medium-sized Enterprises System Design,F276.3
  21. Research on Assessment of Risk of Strategy and Comprehensive Evaluation of Risk Management of Strategy,F272

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
© 2012 www.DissertationTopic.Net  Mobile