| 商业银行房地产信贷风险管理 |
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| 引用本文： | 刘萍,牟晓一.商业银行房地产信贷风险管理[J].科技与管理,2011,13(6):121-124. |
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| 作者姓名： | 刘萍 牟晓一 |
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| 作者单位： | 哈尔滨理工大学经济学院,黑龙江哈尔滨,150040 |
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| 基金项目： | 黑龙江省教育厅2009年度科学技术研究项目计划项目(11541065) |
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| 摘 要： | 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。
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| 关 键 词： | 商业银行 房地产信贷 风险管理 |
Risk management of commercial bank's real estate credit |
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| LIU Ping,MU Xiao-yi.Risk management of commercial bank's real estate credit[J].Science-Technology and Management,2011,13(6):121-124. |
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| Authors: | LIU Ping MU Xiao-yi |
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| Institution: | LIU Ping,MU Xiao-yi (School of Economics,Harbin University of Science And Technology,Harbin 150040,China) |
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| Abstract: | 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 agreen 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,f... |
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| Keywords: | commercial banks real estate credit risks administration |
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