I摘要伴随我国国民经济的不断增长，传统的储蓄、国债等普通的投资方式已经不能满足广大银行客户的需求。由此国家推出了个人住房贷款业务，中国建设银行的特色业务中就包括了个人住房贷款业务，个人住房贷款业务是目前银行贷款业务中的重要的业务。中国建设银行沈阳分行的个人住房贷款业务发展时间比其他银行早。因此在相关的行业里一直处于领先状态。但是任何事物都具有双面性，在个人住房贷款业务不断发展的同一时间不少问题也相继出现，例如假贷款等不良贷款的现象逐渐增多，与此同时，各大银行金融机构因其利益以及为了能够提高自身的市场竞争力，抢占市场份额，争相推出多元化的个人住房贷款业务相互之间的竞争外也越演越烈。从个人住房贷款业务看，中国建设银行在市场上的地位还没有坚固到不可撼动。在研究主体上，本文把其确定为中国建设银行沈阳分行。并且，围绕中国建设银行沈阳分行个人住房贷款业务展开研究工作，力求找出该业务中的种种不足。本文由五个部分组成，第一部分是本文的绪论部分；第二部分主要介绍个人住房贷款的定义，个人住房贷款的种类以及它们的特点；第三部分对中国建设银行沈阳分行的个人住房贷款业务发展具体情况简单说明，明确建设银行沈阳分行其自身住房贷款业务的种类以及其开展情况和具体的业务流程；第四部分对中国建设银行沈阳分行的个人住房贷款业务种种不足进一步探索，涉及到个人住房贷款业务种类多样化不足，面临的市场风险以及在贷款经营上存在的问题；第五部分就所提的个人住房贷款业务中的种种不足深入研究，提出了可行的对策。关键词：个人住房贷款业务；业务发展；贷款管理AbstractWiththecontinuousgrowthofmycountry'snationaleconomy,ordinaryinvestmentmethodssuchastraditionalsavingsandtreasurybondscannolongermeettheneedsofthemajorityofbankcustomers.Asaresult,thecountryhaslaunchedthepersonalhousingloanbusiness,andChinaConstructionBank’scharacteristicbusinessincludespersonalhousingloanbusiness.Personalhousingloanbusinessiscurrentlyanimportantbusinessinbankloanbusiness.ThedevelopmentofthepersonalhousingloanbusinessoftheShenyangbranchofChinaConstructionBankwasearlierthanthatofotherbanks.Therefore,ithasbeeninaleadingstateinrelatedindustries.However,everythinghastwosides.Atthesametimeasthepersonalhousingloanbusinesscontinuestodevelop,manyproblemshavealsoappearedoneafteranother.Forexample,thephenomenonofnon-performingloanssuchasfakeloanshasgraduallyincreased.Inordertobeabletoimprovetheirownmarketcompetitivenessandseizemarketshare,theyarevyingtolaunchadiversifiedpersonalhousingloanbusiness,andthecompetitionamongthemhasbecomeincreasinglyfierce.Fromtheperspectiveofpersonalhousingloanbusiness,thepositionofChinaConstructionBankinthemarkethasnotbeensolidenoughtobeunshakable.Ontheresearchsubject,thispaperdefinesitasShenyangBranchofChinaConstructionBank.Inaddition,theresearchworkiscarriedoutaroundthepersonalhousingloanbusinessofShenyangBranchofChinaConstructionBank,tryingtofindoutvariousdeficienciesinthisbusiness.Thispaperconsistsoffiveparts,thefirstpartistheintroductionpartofthispaper;Thesecondpartmainlyintroducesthedefinition,typesandcharacteristicsofindividualhousingloans.ThethirdpartbrieflyexplainsthespecificdevelopmentofpersonalhousingloanbusinessofChinaConstructionBankShenyangBranch,andclarifiesthetypesofitsownhousingloanbusiness,itsdevelopmentandspecificbusinessprocesses;ThefourthpartfurtherexplorestheshortcomingsofthepersonalhousingloanbusinessofShenyangBranchofChinaConstructionBank,involvingthelackofdiversificationofthetypesofpersonalhousingloanbusiness,themarketrisksfacedandtheproblemsexistingintheloanoperation;Thefifthpartmakesanin-depthstudyofthesho...
