A Study On Risk Countermeasure And Control Of Loan Individual Housing The Industrial And Commercial Bank Of China Shaanxi Branch

With the deepening of China's housing allocation institution reform, the housing consumption has become the most consumption expenditure among Chinese town resident population. But the development of individual housing loan transaction has an active effect on enlarging the efficient demand of housing consumption.In recent years, the individual housing loan transaction has turned into a new focus of loan promotion task of the Industrial and Commercial bank of ShannXi province, and boosted the modulation of loan structure, the advancing of asset quality and operation benefits. However, the hidden trouble of loan risk exposes gradually with the quick development of loan transaction. In order to advance the level of intensive management of individual housing loan and establish the scientific risk control system, this paper studies the following contents:(l)According to the introduce of domestic and overseas development of individual housing loan, the paper analyzes the benefits of individual housing loan by applying the theories of management economics, commercial bank operation management and financial analysis, and have a conclusion that the individual housing loan transaction is very necessary to the improvement of loan asset quality, economic benefits and enterprise competition power of the Industrial and Commercial bank of ShannXi province.(2) According to the introduce of the development condition on housing loan management mode and individual housing loan transaction of the Industrial and Commercial bank of ShannXi province, the paper uses a quantity analysis to study the transaction development, loan quality benefit, transaction weight and market share, generalizes the operation features of individual housing loan transaction of the Industrial and Commercial bank of ShannXi province, and points out the mostexisting problems.(3)The paper improves and structures the new frame of the Industrial and Commercial bank of ShannXi province by applying the theories of commercial bank operation management and risk defending and using the exotic advancing experience of commercial bank risk management for reference.(4)The paper applies the research method to analyze the key factors influencing the individual housing loan transaction of the Industrial and Commercial bank of ShannXi province, and makes some designs on organization framework, transaction process and credit personnel.The paper analysis has an intensive pertinence because it is based on author's work experience, and the solution measures presented are practicable and easy to operate because it focuses on how to solute the problem defending risk in the individual housing loan transaction management.