【作者】 张波；

【导师】 王宗润；

【作者基本信息】 中南大学 ， 工商管理， 2013， 硕士

【摘要】 上世纪90年代启动的住房改革推动了我国房地产业的迅速发展,个人住房贷款也成为我国城市居民解决住房问题的主要融资手段之一。个人住房贷款具有物质保障性强、分期归还、收益稳定、风险较低等优势,对银行调整资产结构,降低资本消耗,提升风险收益起到关键作用。然而,个人住房贷款并非零风险,其受经济周期波动、宏观调控政策影响较大,次贷危机的风险冲击有目共睹,而我国个人住房贷款发展迅速,规模巨大,因此加强个人住房贷款违约风险研究具有重要的理论和现实意义。本文分析了华融湘江银行个人住房贷款业务现状以及存在的问题,以违约实例为基础,并采用华融湘江银行的业务数据作样本,运用Logistic模型对数据进行因子分析和判别分析,实证研究了个人住房贷款的违约风险因素,提出了华融湘江银行加强个人住房贷款违约风险防范和控制的对策,为华融湘江银行个人住房贷款的科学决策提供参考依据。更多还原

【Abstract】 In our country, the housing reform started in90’s promoted rapid development of real estate industry, individual housing loans has become one of the main financing ways for city residents to solve the housing problem. Individual housing loans has some advantages such as strong material security, amortizing, stable income and lower risk, it plays a key role on banks to adjust the asset structure, reduce capital consumption and improve risk return. However, individual housing loans doesn’t mean zero risk, it affected by the fluctuations of economic cycle and the macro-control policies deeply, the risks shock of individual housing loans in America showed in the subprime mortgage crisis is obvious to all. In our country,the development of individual housing loans is very rapid and the scale is very huge, thus strengthening risk management of individual housing loan defaults should be paid more attention.This paper analyzes current situation and existing problems on the business of individual housing loan in Huarong Xiangjiang Bank, based on default examples.the writer takes the business data of Huarong Xiangjiang Bank for samples, using logistic model to carry on a factor analysis and discriminant analysis,and researches the default risk factors and its importance of individual housing loan empirically.At the same time, it puts forward countermeasures and recommends of strengthening default risk management and control of individual housing loan for Huarong Xiangjiang Bank, and provides a reference to improve the risk decisions for Huarong Xiangjiang Bank更多还原