建行T分行个人住房不良贷款防范研究-工商管理专业论文.docxVIP

硕士沦文 硕士沦文 一堡堡7-r坌笪尘△垡堕至垦塑塑堕型塑壅 摘 要 自1998年国家逐步取消福利分房制度，实行住房分配货币化政策以来，我国房地 产市场经历了十多年的兴盛与繁荣，各商业银行纷纷推进住房按揭贷款业务，按揭贷款 购房也成了大多数自有资金不足但有购房需求的人的主要购房途径。由于住房贷款业务 一般周期较长，并且具有业务量大且分散的特点，因此住房贷款业务不良贷款暴露期间 较长，具有滞后性，不良贷款一般在贷款发放数年后才暴露出来，不良贷款发生率的高 低也决定了了商业银行未来数年、数十年问的信贷资产质量。 建行T分行自开展个人住房贷款业务以来，贷款余额逐年增长，目前已突破100亿 元，但不良贷款也越来越多，近年来受国家宏观经济影响、房地产周期性影响以及其他 内外部风险影响，建行T分行存量住房贷款不良率较之前出现了一定上升，为了保证住 房贷款业务的持续稳定健康发展，保住整体经营成果，建行T分行必须对加强住房贷款 业务不良发生率的控制并实施有效的防范措施。 本文以建设银行T分行个人住房不良贷款防范为主题，通过对建设银行T分行个人 住房贷款不良贷款现状分析，从开发商、借款人、宏观环境、银行等四个层面分别分析 了导致不良贷款的原因并在此基础上提出了相应的防范措施。 关键词：个人住房贷款，不良贷款，防范措施， 万方数据 Abstract Abstract 硕士论文 Abstract Since the country cancels the welfare—oriented public housing distribution system gradually and implements the housing distribution monetization policy in 1 998，the real estate market in our country has experienced the thriving and prosperous for more than 1 0 years，the commercial banks are promoting the housing mortgage loan business，and purchasing the house via mortgage loan has also become the main means for the majority of people with insufficient own fund and house-buying demand．Due to the feature of long term of housing mortgage loan business，large business and dispersed，the term to expose the non—performing loan in the housing mortgage loan business is long with lagged feature，and the non—performing loan Can be exposed at many years after the loan is released，the incidence of non-performing loan also decides the credit asset quality in the commercial bank in coming years and decades． Since the personal housing mortgage loan business is developed，the loan balance in T Branch，China Construction Bank has increased gradually．Currently,it has reached 1 0 billion yuan，while there are more and more non-performing loans．In recent years，influenced by the national