The research on Risk Prevention of Individual Housing Loans of Commercial Banks——Based on C Bank

作为一款具有较强价值创造能力的信贷产品，个人住房贷款以其资本占用少、风险权重低、经济资本收益率高等特点，广受各商业银行青睐，业务份额在各项贷款中占比不断攀升，并已成为商业银行新的利润增长点与长期战略方向。近年来，在城镇化持续推进、经济增速趋缓等因素叠加作用下，个人住房贷款的显性和隐性风险开始逐渐暴露，这必然会使房地产及其上下游产业、居民住房消费乃至整个国民经济产生连锁反应。商业银行如何识别、转移、控制、管理个人住房贷款风险，从而构建起由个人、社会、银行、政府共同组成的风险防范体系，已是当前我们亟待推进的一项热点问题。 从研究意义来看，本文通过甄别、分析房地产市场中各方主体的主要风险点，有针对...As a credit product with a strong value-creating ability, individual housing loan gains popularity in commercial banks because of its small capital coefficient, low risk weight and high rate of capital return. With its business share increasingly rising in various loans, it has become a new profit growth point and long-term strategy direction of commercial banks. In recent years, under the additiv...学位：工商管理硕士院系专业：管理学院_工商管理硕士(MBA)学号：1792011115078

Soluble Sugars and MDA in Leaves of Two ManilkaraSpecies under Salt Stress

采用盆栽试验法,以0、2‰、4‰、6‰、8‰nACl溶液分别对铁线子属果树古巴牛乳树MAnIlkArA rOXburgHIAnA(WIgHT)dubArd、人心果MAnIlkArA zAPOTA(l.)VAn rOyEn进行胁迫处理,对植株盐害现象、土壤实际全盐度和叶片可溶性糖、丙二醛含量的变化进行比较。试验结果表明:古巴牛乳树、人心果分别在土壤实际全盐度3.38‰、2.88‰出现2级盐害,在4.28‰、4.05‰时出现3级盐害。2种果树叶片可溶性糖含量变化与nACl用量梯度呈现正相关,并和对照差异显著。叶片丙二醛含量在2‰、4‰nACl时和对照差异不显著,在6‰、8‰nACl时与对照差异显著。试验结果推断:2种铁线子属果树在6‰、8‰nACl处理时,叶片细胞膜脂过氧化加重;可溶性糖作为渗透调节物质对植物幼苗抵抗nACl胁迫可能起着重要作用。Mechanism of the salt tolerance of Manilkara roxburghiana(Wight)Dubard and Manilkara zapota(L.)van Royen was investigated.The potted plants of the two species were watered with 0,2‰,4‰,6‰ or 8‰ NaCl solutions to observe the damages to the seedlings,as well as the induced changes on soil salinity and on the soluble sugars and MDA in the plant leaves by the salt stress.M.roxburghiana and M.zapota showed a Grade II salt damage under 3.38‰ and 2.88‰ NaCl stress,respectively,and a Grade III damage under 4.28‰ and 4.05‰ salt stress,respectively.The soluble sugars in the leaves of the plants increased with increasing concentration of NaCl,and were significantly different from those of Control without the salt stress.It was speculated that,with respect to the cellular osmosis,the soluble sugars might have increased by the plant in response to the presence of salt so as to improve its tolerance to the stress.The contents of MDA also differed significantly from Control under 6‰ or 8‰NaCl stress indicating the presence of a serious membrane lipid peroxidation on the plants.厦门市科技计划项目(3502Z20092023