个人住房贷款风险分析与防范分析-工商管理专业论文.docx

the up-to-now situation of the personal housing loans both in China and of China Construction Bank. Since the New Basel Capital Accord (also known as Basel II) defines the risks faced by the commercial bank as three types, which are credit risk, operational risk and market risk, in Chapter III, the paper analyses the risk factors of the personal housing loans by dividing the risks which the loans confront into credit risk and operational risk. Credit risk factors include borrower’s willingness, payment ability, the be-in-debt attitude, reinvestment products and house selling, while both the internal factors(operational process, employee, information system) and the external factors(outside events) will influence the operational risks. The paper continues to study the personal housing loans credit risk management and operational risk management respectively in Chapter IV, analyzing the personal credit scoring system, personal housing loans process transformation etc. Finally, the paper provides the recommends to China Construction Bank personal housing loans risk management on the base of the status of the bank’s risk management. It suggests that China Construction Bank should develop the personal credit scoring system, promote the ability of product design and pricing, enhance the internal control and policies system, reform the process, establish a strict reward/punishment, and improve the whole level of risk management. KEY WORDS: personal housing loans, risk management, personal credit scoring, process transformation, China Construction Bank 目录 第1 章 绪论……………………………………………………………………………………………1 1.1 问题的提出………………………………………………………………………………………1 1.2 研究的目的和意义………………………………………………………………………………2 1.3 研究的思路和方法………………………………………………………………………………3 第 2 章 我国个人住房市场与个人住房贷款…………………………………………………………4 2.1 我国个人住房市场发展现状……………………………………………………………………4 2.2 我国个人住房贷款需求分析……………………………………………………………………5 2.3 我国个人住房贷款发展现状……………………………………………………………………6 2.4 中国建设银行个人住房贷款发展现状…………………………………………………………9 第 3 章 个人住房贷款风险及其影响因素分析………………