Thesis for Master’ s degree, Shanxi University, 2021
Discussion on risk control of personal housing mortgage
loan in t branch of bank B
Student Name
Supervisor
Major
Wu Xia
Prof. Li Changhong
Business Administration
Finance and Investment
School of Economics and Management
Specialty
Department
Research Duration 2018.09-2021.06
June, 2021

目录
中文摘要.........................................................................................................................I
Abstract ...............................................................................................................................II
第一章绪论...................................................................................................................... 1
1.1选题背景............................................................................................................... 1
1.2研究目的和意义................................................................................................... 2
1.3研究内容和方法................................................................................................... 2
1.4研究结构图............................................................................................................ 3
第二章国内外文献综述.................................................................................................. 5
2.1国外文献研究....................................................................................................... 5
2.2国内文献研究....................................................................................................... 6
2.3文献综合评述........................................................................................................ 9
2.4未来发展趋势...................................................................................................... 10
第三章个人住房按揭贷款及其风险管理概述............................................................ 11
3.1个人住房按揭贷款概述..................................................................................... 11
3.1.1个人住房按揭贷款的定义...................................................................... 11
3.1.2个人住房按揭贷款的类型...................................................................... 11
3.1.3个人住房按揭贷款的特点...................................................................... 12
3.1.4个人住房按揭贷款的流程...................................................................... 12
3.1.5个人住房按揭贷款的一般还款方式...................................................... 14
3.2个人住房按揭贷款风险管理概述..................................................................... 14
3.2.1个人住房按揭贷款风险.......................................................................... 14
3.2.2个人住房按揭贷款风险管理.................................................................. 16
第四章个人住房按揭贷款现有风险分析.................................................................... 17
4.1住房按揭贷款相关现状分析............................................................................. 17
4.1.1房地产开发投资及销售数据.................................................................. 17
4.1.2房地产贷款基本情况.............................................................................. 18
4.1.3 B银行 T分行个人住房按揭贷款现状................................................... 21
4.2贷前调查环节风险分析..................................................................................... 22
4.2.1借款人风险.............................................................................................. 22

4.2.2开发商风险.............................................................................................. 25
4.2.3银行自身风险.......................................................................................... 27
4.2.4合规风险................................................................................................... 27
4.3贷中审查环节风险分析..................................................................................... 27
4.3.1审查复核工作流于形式........................................................................... 28
4.3.2合同审查不严格...................................................................................... 28
4.3.3对担保方面的审查不到位...................................................................... 29
4.4贷后管理环节风险分析..................................................................................... 29
4.4.1借款人风险.............................................................................................. 29
4.4.2开发商及抵押物风险.............................................................................. 30
4.4.3银行自身风险.......................................................................................... 31
4.4.4利率风险.................................................................................................. 32
第五章个人住房按揭贷款风险管理措施与建议........................................................ 34
5.1做好贷前调查工作............................................................................................. 34
5.1.1针对借款人切实开展 KYC工作............................................................ 34
5.1.2注重开发商审查和谈判工作.................................................................. 35
5.1.3强化抵押物处置与变现能力分析工作.................................................. 36
5.1.4健全住房按揭审查体系.......................................................................... 36
5.2完善贷中审查工作............................................................................................. 36
5.2.1建全系统性的档案管理制度.................................................................. 36
5.2.2完善审核与放款的业务操作水平........................................................... 37
5.2.3加强合同审查.......................................................................................... 37
5.3夯实贷后管理工作............................................................................................. 37
5.3.1实现对权证的精细化管理...................................................................... 38
5.3.2针对楼盘项目开展贷后管理.................................................................. 38
5.3.3加强对借款人的贷后风险管理.............................................................. 39
5.3.4定期走访抵押物...................................................................................... 40
5.4提升银行人员综合素质能力............................................................................. 40
5.5科学设计按揭贷款压力的测试方案................................................................. 41
5.6全面开展信用体系建设工作............................................................................. 41
5.7推进风险分散和转移.......................................................................................... 42
。。。以下略