1绪论·································································································1 1.1研究背景和意义·············································································1 1.1.1选题背景·················································································1 1.1.2研究意义·················································································2 1.2文献综述······················································································2 1.2.1国外文献综述··········································································3 1.2.2国内文献综述··········································································3 1.2.3文献评述················································································5 1.3研究内容、思路及方法···································································5 1.3.1主要内容················································································5 1.3.2研究思路················································································6 1.3.3研究方法················································································8 2相关概念及理论··················································································9 2.1相关概念······················································································9 2.1.1个人住房贷款风险概念·······························································9 2.1.2个人住房贷款风险特点·······························································9 2.2风险分类······················································································9 2.2.1市场风险···············································································10 2.2.2操作风险···············································································11 2.2.3信用风险···············································································11 2.2.4法律风险···············································································12 2.3商业银行信贷风险管理流程····························································12 2.3.1风险识别···············································································12 2.3.2风险计量···············································································13 2.3.3风险监测···············································································13 2.3.4风险报告···············································································13 2.3.5风险控制···············································································13 2.4理论基础····················································································13 2.4.1信息不对称理论······································································13 2.4.2全面风险管理理论···································································14 2.4.3理性违约与被动违约理论··························································14 3Z银行NC支行个人住房贷款风险及风险管理现状····································16 II 3.1Z银行NC支行个人住房贷款业务风险现状········································16 3.1.1Z银行NC支行个人住房贷款业务概况·········································16 3.1.2NC支行个人住房不良贷款现状··················································18 3.1.3NC支行个人住房贷款业务风险表现············································19 3.2NC支行个人住房贷款业务风险管理现状···········································23 3.2.1个人住房贷款风险管理依据·······················································23 3.2.2个人住房贷款风险管理的流程····················································23 3.2.3个人住房贷款风险管理的实施效果··············································24 4NC支行个人住房贷款风险管理存在的问题及成因分析······························25 4.1NC支行个人住房贷款问题分析·······················································25 4.1.1NC支行个人住房贷款贷前问题分析············································25 4.1.2NC支行个人住房贷款贷中问题分析············································26 4.1.3NC支行个人住房贷款贷后问题分析············································28 4.2NC支行个人住房贷款风险管理问题成因分析·····································29 4.2.1内部管理不到位······································································29 4.2.2法律合规意识淡薄···································································29 4.2.3合作机构管理不到位，缺乏退出机制··········································30 4.2.4信息系统应用与开发滞后··························································31 4.2.5从业人员综合素质不高·····························································31 5完善NC支行个人住房贷款