【作者】 孙宁；

【导师】 秦学志；

【作者基本信息】 大连理工大学 ， 工商管理（专业学位）， 2019， 硕士

【摘要】 随着近几年我国对于房地产市场的调整,在历经了十几年时间的飞速成长之后,房地产行业步入了稳步运行阶段。房地产行业是一个资金高度密集型经营的行业,当前中国房地产市场融资的主要方式仍然是从银行端取得信贷支持,因此房地产行业的主要风险点也集中在银行端。提升银行机构对于房地产行业的贷款风险管控,进而提升银行的信贷资产安全,保证信贷资金良性稳健的运转是银行机构需要思考和解决的问题。本篇论文将中信银行L分行授信业务操作风险做为分析目标,借助资料法、实例分析法和调研法来研究中信银行L分行现阶段房地产贷款风险管控的现有状况,从银行的管理和运转两个层面研究中信银行L分行在授信业务风险管控当中隐藏的重点问题,包含:全面约束体制的不科学、欠缺必要的风险管控体系、欠缺健全的房地产贷款风险测评模式、担保效能差、欠缺房地产授信业务预先报警制度等。为了切实有效的提高中信银行L分行房地产授信业务操作风险管控能力,本文从多个角度出发对于风险防范给予了有针对性和可执行性的意见,包含:改善制度、开展全过程房地产贷款风险管控、风险管控理念的推行、建立健全的风险测评模式、加强授信担保条件、建立健全的房地产授信业务预先报警制度等,意在提高L分行对房地产授信业务操作风险的防控,降低银行信贷资产的损失。更多还原

【Abstract】 With the relevant reforms of the housing system in China in recent years,the real estate industry has entered a period of steady growth after more than a decade of rapid development.The real estate industry has the characteristics of high concentration of funds and huge capital support for the development of the industry.At present,the financing method of the real estate industry in China still relies on bank credit,and the risk is still mainly concentrated in the banks;how to strengthen the credit risk management of the real estate enterprises in the banking industry,thus Improving the quality of banks’ assets and ensuring that funds are healthy and well-functioning is an inherent need of the banking industry.This paper takes the operational risk of credit extension business of CITIC Bank L Branch as the analysis target,and studies the current situation of real estate loan risk management and control of CITIC Bank L Branch by means of data method,case analysis and research method.From the management and operation of bank,this paper studies the key problems hidden in the credit business risk management and control of CITIC Bank L Branch,including: total restriction system,lack of necessary risk management and control system,lack of sound real estate loan risk assessment mode,poor guarantee effectiveness,and lack of pre-alarm system of real estate credit service.In order to effectively improve the real estate credit industry of CITIC Bank L Branch.This paper gives targeted and enforceable opinions on risk prevention from many angles,including: improving the system,carrying out the risk control of real estate loan in the whole process,carrying out the concept of risk control,establishing a sound risk evaluation model,strengthening the conditions of credit guarantee,establishing a sound pre-alarm system of real estate credit business,and so on.The purpose of this paper is to improve the prevention and control of the operational risk of real estate credit business and reduce the loss of bank credit assets.更多还原