我国商业银行个人住房贷款的风险管理研究——以中国工商银行淄博分行为例摘要我国工商银行个人住房贷款风险方面存在了诸多问题。如何才能对工商银行的个人住房贷款风险进行有效的管理成为了工商银行个人住房贷款业务持续健康发展需要解决的问题。本文以中国工商银行淄博分行的个人住房贷款风险管理现状为切入点，对我国工商银行淄博分行目前个人住房贷款风险的管理现状进行阐述和分析，发现现今我国的工商银行淄博分行主要存在以下几点问题：资本充足率还处于较低水平；占银行业市场份额依旧偏高；贷款投向过度集中；存贷款期限配置严重不合理；不良贷款拨备覆盖率偏低等问题。本文首先分析我国工商银行淄博分行个人住房贷款风险问题，之后从工商银行淄博分行自身、企业以及外部环境因素方面分析个人住房贷款风险产生的原因，并在此基础上，对我国工商银行淄博分行个人住房贷款风险管理方面体提出了一些建议和改进对策，例如完善个人住房贷款风险的制度措施和完善个人住房贷款风险的管理措施，希望本文能够降低我国工商银行淄博分行个人住房贷款风险有所帮助。【关键词】贷款风险；个人住房贷款；中国工商银行淄博分行abstractIndustrialandCommercialBankofChinapersonalhousingloanrisktherearemanyproblems.HowtomanagethepersonalhousingloanriskofICBCeffectivelybecomestheproblemthatneedstobesolvedinICBCpersonalhousingloanbusinesssustainableandhealthydevelopment.BasedonthecurrentsituationofindividualhousingloanriskmanagementofIndustrialandCommercialBankofChinainZiboBranch,thispaperelaboratesandanalyzesthepresentmanagementsituationofICBCZiboBranch'scurrentindividualhousingloanriskandfindsthattherearethefollowingmainpointsinZiboBranchofIndustrialandCommercialBankofChinaThecapitaladequacyratioisstillatalowlevel;themarketshareofthebankingindustryisstillhigh;theloansareover-concentrated;thedepositandloantermisseriouslyunreasonable;andtheprovisioncoverageratioofnon-performingloansislow.ThispaperfirstlyanalyzestheindividualhousingloanriskofZiboBranchofIndustrialandCommercialBankofChina,thenanalyzesthecausesofindividualhousingloanriskfromZiboBranchitself,enterpriseandexternalenvironmentfactors,andonthebasisoftheaboveanalysis,analyzestheindividualofZiboBranchofIndustrialandCommercialBankofChinaThepaperputsforwardsomesuggestionsandimprovementmeasures,suchasimprovingthesystemofpersonalhousingloanriskandimprovingthemanagementofpersonalhousingloanrisk,hopingthatthispapercanreducetheriskofpersonalhousingloanofZiboBranchofIndustrialandCommercialBankofChina.【Keywords】Loanrisk;Individualhousingloan;IndustrialandCommercialBankofChinaZiboBranch目录摘要...............................................................2Abstract.............................................................3引言.................................................................61个人住房贷款风险的概念和概述......................................61.1个人住房贷款风险的概念..................................................................................61.2个人住房贷款风险的分类...................................................................................72我国工商银行淄博分行的个人住房贷款风险现状及成因分析..............72.1我国工商银行淄博分行的个人住房贷款风险现状...........................................72.1.1不良贷款率过高............................................................................................72.1.2资本充足率还处于较低水平........................................................................82.1.3工商银行淄博分行占银行业市场份额依旧偏高........................................8...
