科技与管理
科技與管理
과기여관리
SCIENCE-TECHNOLOGY AND MANAGEMENT
2011年
6期
121-124
,共4页
商业银行%房地产信贷%风险管理
商業銀行%房地產信貸%風險管理
상업은행%방지산신대%풍험관리
commercial banks%real estate credit%risks administration
当前,我国商业银行所面临的最大风险是房地产信贷风险。由于我国房地产行业发展所需资金大部分是依赖商业银行贷款,因此,商业银行在给房地产行业开辟＂绿色通道＂来获取资金效益的同时,也给自己增添了大量的信贷风险。以商业银行房地产信贷风险为研究对象,对商业银行房地产信贷面临的宏观、微观形势进行分析,阐述风险成因,旨在为加强房地产信贷管理、增强风险意识提供决策依据。
噹前,我國商業銀行所麵臨的最大風險是房地產信貸風險。由于我國房地產行業髮展所需資金大部分是依賴商業銀行貸款,因此,商業銀行在給房地產行業開闢＂綠色通道＂來穫取資金效益的同時,也給自己增添瞭大量的信貸風險。以商業銀行房地產信貸風險為研究對象,對商業銀行房地產信貸麵臨的宏觀、微觀形勢進行分析,闡述風險成因,旨在為加彊房地產信貸管理、增彊風險意識提供決策依據。
당전,아국상업은행소면림적최대풍험시방지산신대풍험。유우아국방지산행업발전소수자금대부분시의뢰상업은행대관,인차,상업은행재급방지산행업개벽＂록색통도＂래획취자금효익적동시,야급자기증첨료대량적신대풍험。이상업은행방지산신대풍험위연구대상,대상업은행방지산신대면림적굉관、미관형세진행분석,천술풍험성인,지재위가강방지산신대관리、증강풍험의식제공결책의거。
At present,China＇s commercial bank are facing the biggest risk is real extate credit risk.Because what China＇s real estate industry development funds need most is dependent on the commercial bank loans,commercial banks in real estate industry should open up a＂green channel＂ to get the capital efficiency,meanwhile they also bring about a lot of credit risk.This paper studies the risk of commercial bank＇s real estate credit and analyzes the current situation of real estate credit of commercial bank faced with,from macro and micro two aspects,expound the causes of risk.The article aims to provide decision-making basis for enhancing the management of real estate credit and raising the risk consciousness.
