| From 1999, I have worked at state commercial bank and province-branch stock commercial bank for management work of retail load, and accumulated much management work experience, especial to the main product—personal house credit, I have met a lot of problems through practical work. For exploring the risk protection rules of present personal house load and better work, I write this article. At present, the supreme court of the people's republic of china has announced "the SCP's code on sealing up,detaining and congealing estate from peoples court civil execution", chinese social system is not perfect, and every grade government doesn't prescribe the lowest standard of living protection distinctly. So the every grade executive department can't manage well, and maybe someone lake of sincerity will escape bank load, finally the action will result in expanding executive difficulty of the personal house credit, and the rise of non-performing loan. Now, the development of the personal house credit faces new challenge and new conditions. On a large scale, personal house credit is a new economy task and experiences in the exploring and accumulating phrase; personal credit system and house trade market are not in healhealth,thiness; the commercial insurance rule of personal house credit is in absence, so in the course of development of commercial bank house operation, many problems have appeared. The people's republic of china and China Banking Regulatory Commission have announce several files, such as "the notice of prohibiting 'no pay'personal house credit and personal integrate credit without designated purpose","the notice of standardizing house finance business","the notice of strengthening the management of the realty credit business "," the notice of strengthening credit management in case of new finance risk", declared again and pointed out the correlation rules about personal house credit. It can protect management environment of equity competition, stimulate the development of personal house credit, and impress on the choice of comates, clients and the adjustment of loan policy heavily. Seeing from the facts of commercial bank, on one hand the one hand, some banks are in lack of the importance of developing the personal house credit business, passive attitude and negative work; some banks are in lack of power degree and measures in the business and marketing; the whole diathesis of the people who engage in the personal house credit. On the other hand, the characteristic of personal housing loan risk is not well known by some branch banks. The development of personal housing loan is cared more than its management, which causes the appearance of bad loan problem (BLP). The integrity management and detailed guidance is weak. Although these problems just appear, they must be cared. We must adjust the related rules according to the change of the situation, so that the development and management of personal housing loan can be improved very well. The thesis's text has four parts in total, the content of every part as follows: The first chapter: the actuality of the personal house credit business of China commerical Bank. This chapter reports the current situation of the personal house credit business of China Merchants Bank, and compares them with several banks' in china, such as Industrial and Commercial Bank of China,China Construction Bank,China Mingsheng Bank . The second chapter: In this chapter the author reviews the policy tendence of commercial banks' realty credit business, and analyzes the main risks the personal house credit business of China Merchants Bank is facing currently.The third chapter: In this chapter the author analyzes the forming reason of the risks of the personal house credit business of China Merchants Bank. The fourth chapter: The author expatiates the countermeasures to solv the risks of the personal house credit business of China Merchants Bank. |
PDF Full Text Request