【正文】 上海理工大學(xué)2010屆畢業(yè)論文 本科畢業(yè)論文商業(yè)銀行個人住房按揭貸款的風(fēng)險特征與控制姓 名XXX學(xué) 院 管理學(xué)院專 業(yè)金融專業(yè)指導(dǎo)教師XXX 老師完成日期2010年6月上海理工大學(xué)全日制本科生畢業(yè)設(shè)計（論文）承諾書本人鄭重承諾：所呈交的畢業(yè)設(shè)計（論文） 是在導(dǎo)師的指導(dǎo)下，嚴(yán)格按照學(xué)校和學(xué)院的有關(guān)規(guī)定由本人獨立完成。文中所引用的觀點和參考資料均已標(biāo)注并加以注釋。論文研究過程中不存在抄襲他人研究成果和偽造相關(guān)數(shù)據(jù)等行為。如若出現(xiàn)任何侵犯他人知識產(chǎn)權(quán)等問題，本人愿意承擔(dān)相關(guān)法律責(zé)任。 承諾人（簽名）： 日 期：目 錄中文摘要ABSTRACT 第1章 緒論...................................................1第一章 緒論 8 課題背景與意義 8 論文思路與結(jié)構(gòu) 9 研究方法與手段 9第六章 對于我國商業(yè)銀行個人住房按揭貸款的總結(jié)與展望 46 研究方法與手段......................................2 可能存在的不足與創(chuàng)新................................3第2章 按揭貸款的相關(guān)概念與政策界定.............................4 按揭貸款相關(guān)概念與界定................................4 個人住房按揭貸款的相關(guān)概念和方式.................4 按揭貸款的概念及其償還機制........................4 我國商業(yè)銀行按揭貸款相關(guān)政策和政策分析.................5 .....................5 按揭貸款的還款方式和在不同方式下的還款利息.........6 本章小結(jié)................................................7第3章 我國個人按揭貸款業(yè)務(wù)中的風(fēng)險研究及分析.....................8 個人按揭貸款存在的風(fēng)險分類...............................8 信用風(fēng)險.............................................8 市場風(fēng)險............................................10 操作風(fēng)險............................................11 政策風(fēng)險............................................13 我國商業(yè)銀行個人住房按揭貸款風(fēng)險特征....................15 影響個人住房按揭貸款風(fēng)險的因素以招商銀行住房按揭貸款信 用風(fēng)險壓力測試為例......................................17 本章小結(jié)...............................................27第4章 銀行個人住房按揭貸款風(fēng)險的歷史借鑒以美國次貸危機為例.......28 .............................28 引發(fā)美國次貸危機的原因分析............................30 美國次貸危機對我國商業(yè)銀行按揭貸款風(fēng)險控制的警示......31 ..........31 中美房貸市場的內(nèi)在相似性.......................32 第5章 商業(yè)銀行個人按揭貸款風(fēng)險控制................................36 有效控制市場風(fēng)險.......................................36 有效控制操作風(fēng)險.......................................36 有效控制政策性風(fēng)險.....................................37第6章 對于我國商業(yè)銀行個人住房按揭貸款的總結(jié)與展望...............39商業(yè)銀行個人住房按揭貸款的風(fēng)險特征與控制摘 要近年來，商業(yè)銀行的個人住房貸款業(yè)務(wù)突飛猛進(jìn)，但光鮮成績的背后風(fēng)險開始滋生。有效地認(rèn)識商業(yè)銀行按揭貸款的各種風(fēng)險及風(fēng)險成因，有利于更好的控制按揭貸款的風(fēng)險，并且使這項業(yè)務(wù)有利于百姓買房和市場供房的需求關(guān)系，使個人按揭貸款有利于民眾的買房需求，也有利于房市和國家經(jīng)濟(jì)的良好發(fā)展。有效地識別與控制個人住房貸款面臨的潛在風(fēng)險，對于商業(yè)銀行的健康發(fā)展和保持金融系統(tǒng)的穩(wěn)定具有重大意義。對于個人安居樂業(yè)也具有很大的意義。本文介紹了個人按揭貸款的概念，按揭貸款的形式、流程、相關(guān)規(guī)定以及商業(yè)銀行按揭貸款的風(fēng)險種類、控制方法。根據(jù)近年來政策，學(xué)術(shù)研究者的經(jīng)驗理論以及銀行的數(shù)據(jù)統(tǒng)計和測試模型等，深入淺出地描述了個人按揭貸款的風(fēng)險種類和控制方法。本文還詳細(xì)闡述了美國次貸危機的發(fā)生背景，發(fā)生原理和對我國商業(yè)銀行的啟示。提出相關(guān)政策并寫出自己對此課題的觀點和建議。有效控制信用風(fēng)險須嚴(yán)格防范信用風(fēng)險和虛假按揭、建設(shè)良好的信用環(huán)境、選擇良好的開發(fā)商和開發(fā)項目。有效控制市場風(fēng)險其中很重要的一個方面就是避免利率風(fēng)險,要建立我國商業(yè)銀行的利率風(fēng)險管理機制,銀行需做負(fù)債和資產(chǎn)兩方面的工作。另外需要強化個人住房貸款的保險機制、加強商業(yè)銀行自身管理，包括建立嚴(yán)密的貸款操作流程；把好個人住房按揭貸款的審批關(guān)；放貸前要對抵押物情況進(jìn)行查詢；前移個貸風(fēng)險監(jiān)管體系、加強風(fēng)險分析。商業(yè)銀行和養(yǎng)和也盡快完善個人住房按揭貸款的配套法律法規(guī)，商業(yè)銀行在辦理個人住房按揭過程中應(yīng)盡量規(guī)避法律不健全帶來的風(fēng)險。 從未來的發(fā)展趨勢看，我國的個人住房按揭貸款會有很大的發(fā)展空間。信貸發(fā)展應(yīng)遵循一定經(jīng)濟(jì)規(guī)律科學(xué)運營，如果在個人住房按揭貸款風(fēng)險管理上過于簡單化，必然會給商業(yè)銀行帶來巨大的風(fēng)險，也會影響信貸業(yè)務(wù)健康發(fā)展。因此，應(yīng)當(dāng)充分借鑒美國次貸危機所揭示的房貸教訓(xùn)與啟示，從前面我國房貸風(fēng)險控制存在的問題出發(fā)，根據(jù)國民經(jīng)濟(jì)發(fā)展的內(nèi)在需求的變化，跟隨宏觀經(jīng)濟(jì)政策節(jié)奏，科學(xué)地構(gòu)筑商業(yè)銀行個人住房按揭貸款風(fēng)險管理機制，穩(wěn)定健康地發(fā)展我國個人住房按揭貸款業(yè)務(wù)。 關(guān)鍵詞：按揭貸款，風(fēng)險控制，美國次貸危機，The Features and Control of Commercial Bank Housing Mortgage RiskABSTRACTIn recent years, mercial banks, individual housing loan business by leaps and bounds, but the risk of starting behind the glamorous achievements of understanding of the various mercial banks, mortgage risk and Risk Analysis, helps to better control the risk of mortgage loans, and so help people buy a house in this business and the market demand for housing between the individual mortgage loans to helppeople buy a house needs, but also conducive to the housing market and the sound development of the national identification and control of individual housing loans face the potential risk for mercial banks to develop and maintain the health of the stability of the financial system is of great individuals to live and work is also of great significance.This paper introduces the concept of individual mortgage loans, mortgage loans in the form of processes, the relevant provisions and the risk of mercial banks, mortgage type, control to recent policy and academic experience of the researchers and the Bank of statistics theory and test models in layman39。s language describing the risks of individual mortgage loans types and control article also elaborated on the occurrence of the . subprime mortgage crisis background, principles and the occurrence of Chinese mercial banks in policies and write their own views and suggestions on this topic.Effective control of credit risk to strictly guard against false mortgage credit risk and build a good credit environment, choosing a good developer and development control of market risk which is very important aspect is to avoid interest rate risk, the establishment of China39。s mercial banks to interest rate risk management, bank liabilities and assets required to do the work of need to strengthen the individual housing loan insurance mechanisms, to strengthen its management of mercial banks, including the establishment of strict lending operation process。 to good personal housing mortgage loans examination and approval。 lending situation before the mortgaged property, a query。 forward a credit risk controlsystem for risk banks and support and also improve the personal housing mortgage loans as soon as the supporting laws and regulations, mercial banks personal housing mortgage loans in the process of handling should be unsound to avoid legal risks. From the future development trend, China39。s personal housing mortgage loans will be much room for development should follow a scientific operation of economic laws, if the personal housing mortgage loan risk management is too simplistic, is bound to bring great risks mercial banks, will also a