工商银行个人住房按揭贷风险防范研究——以淮南工商银行为例ResearchonriskpreventionofindividualhousingmortgageloanofindustrialandCommercialBankofChina--TakingHuainanindustrialandCommercialBankofChinaasanexample摘要我国经济高速发展，个人信贷业务也随着快速发展，而个人信贷业务对提高内需，促进消费也有拉动作用。有正必有反，在个人信贷业务规模不断扩大的同时，信贷的违约等风险问题也日益突出，这些风险问题如果不对其加以防范，将不利于我国信贷市场的发展。在工商银行中，个人住房贷款业务已经成为了银行非常重要的贷款业务及客户的重点消费种类。目前,个人住房贷款业务存在些许不足，虽然国家放宽住房按揭贷款的政策,工商银行在发放贷款及后期管理方面仍存在缺陷,这样会存在较多潜在风险。政策的放宽实现了工商银行自身的壮大。但是为了规避潜在风险，,除了通过后期监管的制度化、业务操作的规范化、以及贷款抵押评估科学化等措施之外,还要在让银行服务于社会的同时,实现自身向更加高质量、迅速、科学化的方向发展。本文认为淮南工商银行个人住房按揭贷款存在一定的风险，从淮南工商银行个人住房按揭贷款的发展现状，风险问题等方面展开研究，探索防范对策，加强对工商银行信贷的管理。关键词：按揭贷款；潜在风险；信贷管理TheSubjectofUndergraduateGraduationProject(Thesis)ofBHUAbstractWiththerapiddevelopmentofChina'seconomy,personalcreditbusinessalsodevelopsrapidly,andpersonalcreditbusinessalsoplaysastimulatingroleinimprovingdomesticdemandandpromotingconsumption.Whilethescaleofpersonalcreditbusinesscontinuestoexpand,theriskproblemssuchascreditdefaultarebecomingincreasinglyprominent.Iftheseriskproblemsarenotprevented,theywillnotbeconducivetothedevelopmentofChina'screditmarket.InICBC,personalhousingloanbusinesshasbecomeaveryimportantloanbusinessofthebankandthekeyconsumptiontypeofcustomers.Atpresent,therearesomedeficienciesinpersonalhousingloanbusiness.Althoughthestaterelaxesthepolicyofhousingmortgageloan,ICBCstillhasdefectsinloanissuanceandlatermanagement,whichwillhavemorepotentialrisks.TherelaxationofthepolicyhasrealizedthegrowthofICBCitself.However,inordertoavoidpotentialrisks,inadditiontotheinstitutionalizationoflatersupervision,thestandardizationofbusinessoperationandthescientizationofloanmortgageevaluation,banksshouldalsorealizetheirowndevelopmentinahigherquality,rapidandscientificdirectionwhileservingthesociety.ThispaperbelievesthattherearecertainrisksinthepersonalhousingmortgageloanofHuainanindustrialandCommercialBankofChina,andstudiesthedevelopmentstatusandriskproblemsofpersonalhousingmortgageloanofHuainanindustrialandCommercialBankofChina,soastoexplorepreventivecountermeasuresandstrengthenthecreditmanagementofindustrialandCommercialBankofChina.KeyWords：WriteCriterion；TypesetFormat；CredictManagement目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、引言................................................................................................................................1（一）国内外文献综述.................................................................................................21.国外研究综述.......................................................................................................22.国内研究综述.....................................................................................
