Research On Credit Risk Management Of Individual Housing Loan In Ordos Branch Of Construction Bank

New Basel Capital Accord is the mainstream of the international framework for risk management systems today, an extremely important influence on the mode of operation of international banking regulators and banks, represents the development trend and direction of risk regulation. One of the objectives of the agreement is to ensure the safety of the financial system, capital efficient risk control. It does this by analyzing capital adequacy to verify security risk management is in place, in particular from the internal management of credit risk management, external supervision and market discipline three aspects, and ultimately achieve the purpose of controlling credit risk.Qualitative analysis of this paper, internal credit risk management as the core research to external supervision and management and market discipline as a complement to explore the reasons for the Ordos Construction Bank branch credit risk of individual housing loans and measures to prevent the formation of recommendations. Wherein the internal credit risk management will discuss separately from three angles internal credit risk management structure, management tools and management systems; from the regulatory system and the effectiveness of supervision, explore two aspects comprehensive supervision and management; market discipline from financial markets external market information disclosure and two aspects were discussed.The study found that the presence of a lot of misunderstanding and the Ordos local objective existence of complex economic environment in individual housing loan business credit risk management, credit risk management Ordos Construction Bank branch in the internal credit risk management, market discipline and supervision and management of external There are many problems in three areas. Taking into account the Basel II framework in the gap between the particularity of our country as well as the applicability of the Ordos region and implementation of the new protocol, this paper from the organizational structure of the construction, upgrade management system, promote the IRB, establishment of databases and management information systems and other aspects to improve their internal credit risk management; from perfect regulatory system, improve regulatory effectiveness, comprehensiveness, transparency, etc. to enhance the supervision and management; disclosure of information mechanisms from the establishment of progressive integration of market information flow constraints and other aspects of strengthening market discipline to put forward the corresponding preventive measures.