交通银行乌鲁木齐分行个人住房贷款风险管理研究

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1、大连理工大学硕士学位论文交通银行乌鲁木齐分行个人住房贷款风险管理研究姓名：高锐申请学位级别：硕士专业：高级管理人员工商管理指导教师：胡祥培20080607交通银行乌鲁木齐分行个人住房贷款风险管理研究ResearchonRiskManagementofIndividualHousingMortgageLoanFromBankofCommunicationsUrumqibranchAbstractTakingriskmanagementofindividualhousingmortgageloanfrom

2、BankofCommunicationsUrumqiBranchastheobjectofstudy，USsubprimelendingcrisisandappearingrisksinhousingmortgageloanfromcommercialbanksof01,11"countryasbackground，thethesis，studiedandanalyzedseveralnlainpotentialriskfactorsconfrontinginindividualhousingmort

3、gageloanfromBankofCommunicationsUrumqiBranchall—sidedlyandsystematically，mainlyincludingtheriskfactorsofborrower，developer，mortgage，liquidityandinterestrates，whicharetheprimaryrisksthatBankofCommunicationsUrumqiBranchmaybefacedwithandcannotignorebothatp

4、resentandinthefuture．Accordingtothefeatureofrisksinhousingmortgageloan，whichisdynamicandsensitivetomacroeconomicstatusandmonetarypolicy，thethesismadeapredictionandanalysisstudyonvariationtrendofhousingpriceandinterestratesforhousingmortgageloanincoupleo

5、fyearsinUrumqi，focusingondetailedassessmentandanalysisoftheireffectsonborrower’Sabilitytorepayloans，businesscircumstanceofdeveloper，riskofmortgageandliquidityofbankassets．Itwasstatedthatriseinhousingpriceandinterestratesforloanwouldprobablyleadtoborrowe

6、r’Sexcessiverepaymentburden，increaseofdefaultrisk，andhastenrealestatebubbleinthemeantime；hypemormaldevelopmentofUrumqirealestatewouldalsoleadtotheincreaseofbusinessriskofdeveloperaswellas‘‘CheatingMortgageLoan”；continuousexpansioninscaleofhousingmortgag

7、eloanwouldbringincreasingriskofliquiditytothebank．Thethesisgavecountermeasuresandadvicesonhowtodealwithandkeepawayfromtheriskofhousingmortgageloanatlast．Asidefromadoptingsomeadvancedinnovativetoolsforriskmanagement，forinstance，stresstest，securitizationo

8、fhousingmortgageloanetc．，toassessdiversifyrisks，themeasuresincludingscientificjobdesignandoperationalprocessoptimization，insistenceonsystemofdoubleverificationandcheck，implementationofmortgage，insuranceandguarantee，strictlycontro