文档介绍：重庆大学
硕士学位论文
商业银行房地产开发贷款信用风险的信息经济学分析
姓名:张帮恒
申请学位级别:硕士
专业:金融学
指导教师:冯祈善
20050401
重庆大学硕士学位论文中文摘要

摘要

近几年来,我国国民经济保持了持续增长的良好态势。随着经济的发展和居
民收入水平的提高,对房地产的需求激增,带动了我国房地产业的高速成长,特
别是在国家住房制度改革和持续扩大内需政策的引导下,房地产业呈现了良好的
发展前景,投资增长迅猛,成为国民经济新的增长点。但目前商业银行开发贷款
不良比率呈上升的趋势,这不仅关系到银行整体资产质量的好坏,还直接影响到
房地产整个行业的发展势头。
本文作者结合实际工作经验选取成都地区某地产项目为例,针对目前商业银
行房地产开发贷款的发展现状及问题,尤其是不良贷款比率上升的状况,运用博
弈论和信息经济学相关理论,通过构建分析模型,结合房地产开发贷款实际操作
流程,分阶段、较系统地对目前商业银行房地产开发贷款风险的成因进行分析,
并借鉴国际银行业对房地产信贷风险管理的先进经验,进一步有针对性的提出我
国商业银行房地产开发贷款的风险防范措施。
论文第五部分采用实证的方式选取作者所经历的一个成都农行房地产贷款风
险管理的典型实例进行全面剖析,在简要背景介绍后,详细分析了贷款风险的形
成过程,以及农行针对存在问题进行贷款风险控制的全过程,风险的具体处置手
段及其效果,最后针对项目现状,对成都农行房地产贷款风险管理中存在的问题
从开发商、开发项目、银行三个角度深入进行剖析和总结。
论文站在银行信贷管理的角度,突出贷款风险控制和处置中的问题,并采用
实证的研究方法,引用实际经历的信贷案例,力求理论改进措施与房地产实际操作
流程相结合,使其更具操作性。

关键词:房地产开发贷款,信用风险,银企关系,信息不对称,

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重庆大学硕士学位论文英文摘要

ABSTRACT

Recently, along with the economic development of our country and the increase of
the e level of inhabitants, the demands of real estate are increasing quickly. Real
Estate Loans business is also a core business mercial bank, it plays a very
important role of promoting the development of Real Estate and increasing benefit of
commercial bank itself. But at present, the badness ratio of Real Estate Loans from
commercial banks is getting worse. Such a worse trend not only influences the whole
asset quality of the bank, but also influences the development of the whole Real Estate
directly.
This study is based on the analysis of Chengdu area, mainly focus on the present
status and the existing problems, as well as the badness ratio increasing of Real Estate
loans mercial banks. By applying the Game theory and theories correlative
with Economics of Information, constructing the analysis model, bining with
the real operating process of the Real Estate loans, the systems analyzing about the risk
forming of Real Estate loans mercial bank is taken bing the theory and
practice. Further more,