【作者】 孙莉；

【导师】 赵英才；

【作者基本信息】 吉林大学 ， 投资与经济， 2006， 硕士

【摘要】 随着近年来房地产市场的发展,个人住房贷款业务战略意义逐步体现,银行关于个人住房贷款业务市场的同业竞争日趋激烈,为了在同业中获得更大的竞争优势,进一步扩大市场发展空间,各大银行纷纷开始进行业务流程方面的思考和讨论,并开始尝试进行业务流程方面的改善。商业银行个人住房贷款业务流程对个贷业务的发展曾起到重要的作用,但随着市场的变化及同业竞争的加剧,目前现行流程已难以满足日益变化的市场需求,进行深入的业务流程研究,对于提高商业银行同业竞争能力,扩大市场份额具有重要的战略意义。本文结合商业银行的工作实际及对市场需求特点的研究,提出进行个人住房贷款业务流程再造,力争为提高商业银行市场竞争能力带来一些新的启示。本文认为,我国商业银行要提高核心竞争能力,适应国际化大银行的发展需要,确保在个人住房贷款业务市场上的竞争优势,必须在业务流程方面做出相应的调整,并结合实际对商业银行个人住房贷款业务流程的改善提出一些有现实意义的建议。更多还原

【Abstract】 This dissertation targets on the personal housing loan dealing procedure in commercial banks Concerning the working experience, the author provides some suggestions for improving the dealing procedure of personal housing loan business in commercial Banks. The author hopes that this research can be helpful for upgrading the quality and efficiency of personal housing loan business in commercial banks, thereby, improving its competitive competence in the market.This dissertation is divided into five chapters. It researches on the personal housing loan dealing procedure in commercial banks in the following aspects: the current state of personal housing loan business in commercial banks; the risks affecting the development of personal housing loan business; the procedure present adopted in personal housing loan; innovation of the procedure of dealing with personal housing loan business; and the empirical research.Chapter one introduces the current state of personal loan business in commercial banks. In this chapter, the author overviews the development and current state of personal loan business in foreign commercial banks, delicately expounds this development in China, and summarizes the characteristics of personal loan business, that is, relatively long loan period; paying by installments; mortgaging loan and small volume of retail sales.Chapter two presents the risks affecting the development of personal housing loan business. The author sums up the factors affecting personal loan business and these factors include the risks of real estate developers, loanees,更多还原