个人住房贷款中不良信贷风险管理研究毕业论文.docx

毕业论文 题 目 个人住房贷款中不良信贷风险管理研究 学 院 经济学院 专 业 金融学 - PAGE - PAGE # - 随着我国金融体系建设的进一步发展和市场体制的迅速完善，银行的贷款业务逐 渐向个人完全展开，个人贷款的业务种类不断增多，业务范围持续扩大，特别是个人 住房贷款业务的发展更为迅猛。我国个人住房贷款业务在其发展的同时， 存在的不良 信贷风险问题以及竞争形势不容乐观，在一定程度上阻碍了个人住房贷款业务的发 展，要持续快速发展，必须加强对一系列问题的研究管理。 本文从分析目前我国个人 住房贷款业务的发展现状入手，指出存在的问题以及问题出现的原因， 并着重针对商 业银行如何发展好个人住房贷款业务减少不良信贷风险， 借鉴国外的经验教训，并提 出思考及相应对策进行管理，以加快这一业务的正确快速发展。 关键词：个人住房贷款；不良信贷风险；现状；问题；对策 ABSTRACT With the deepe ning of Chin as econo mic system reform developme nt and con ti nu ous improveme nt of the system of the market economy, banks le nding bus in ess becomes completely ope n to in dividuals, pers on al loa ns of bus in ess grow ing, con ti nues to expa nd the scope of bus in ess, especially the developme nt of in dividual hous ing loa n more quickly. Pers onal hous ing loa n bus in ess in China at the time of its developme nt, there are bad credit risks as well as the competitive situation is not optimistic, to a certain extent, hamper the developme nt of in dividual hous ing loa ns, to susta in able developme nt, research man ageme ntmust be stre ngthe nedo n a nu mber of issues. This article from the curre nt developme nt status of in dividual hous ing loa n bus in ess to start, poin ted out that because of the existi ng problems as well as problems and focus on how to develop pers onal hous ing loan bad credit risk reduct ion, foreig n experie nces and less ons lear ned, and thoughts and countermeasuresfor management, to promote the healthy and rapid development of the bus in ess. Key words: housing loans to individuals ; bad credit risks ; present situation ; problem ; countermeasure - PAGE - PAGE # - 摘要 TOC \o 1-5 \h \z \o Current Document ABSTRACT II 一、 前言 1 \o Current Document （一） 个人住房贷款概述 1 个人住房贷款的定义 1 个人住房贷款的特征 1 \o Current Document （二） 我国个人住房贷款不良信贷风险概述 2 个人住房贷款不良信贷风险定义 2 个人住房贷款不良信贷风险种类 .……..2 \o Current Document 二、 我国个人住房贷款业务发展现状 3 \o Current Document （一） 我国个人住房贷款发展情况 3 \o Current Document （二） 我国个人住房贷款业务地位 4 \o Current