Study On Risk Management And Prevention Of Individual Housing Loans

With the rapid development of China's real estate business, commercial banks change their strategy of individual business.They put their attention on retail business which is now an important part of their business.The incremental quantity of residential mortgage was only 4.3 billion in Sichuan branch of the Agricultural Bank in 2002, and in 2007 it reached to 12.6 which was close to three times of that in 2002. With the personal housing mortgage loans in the bank becoming increasingly uplifting, the Sichuan branch of the Agricultural Bank's residential mortgage risk management is more important and it needs to be paid more attention.Also, we learn much from the U.S.subprime mortgage crisis.Therefore, the management of personal housing mortgage loan business risk has become an urgent need.Been working in the Agricultural Bank of China in Sichuan Province for many years, The author is very familiar with the process.After studying some aspects of the risk management of the Agricultural Bank of China in Sichuan, The author hopesl that this paper can make some suggestions on personal housing loans to improve the management.Commercial banks should strengthen their individual housing loan business risk management to ensure the security of individual housing loans.The author combines his own experience with theoretical analysis hoping to help the Sichuan branch of the Agricultural Bank of housing loan business.The main content of this paper is the risk of individual housing loans and the prevention of the Sichuan branch of the Agricultural Bank.This paper describes the causes and the control of commercial bank risk from some aspects.It is combined with the Sichuan branch of the Agricultural Bank Analysis of the specific environment.This paper uses a case study and theoretical analysis method.Then it is hoped that the theoretical analysis can be used to solve the problem of Agricultural Bank.This paper generally contains five parts:ChapterⅠ:Introduction introduces the research background and motivation, hoping to resolve the problem in Sichuan branch of the Agricultural in the study.And it describes the research method and characteristics.Then it introduces the relevant literature both at home and abroad, and then we can promote the theory. ChapterⅡ:Here contains a systematic introduction of the risk of commercial banks in the common situation.ChapterⅢ:It author analyzes the causes of risk of individual' housing loans from two different perspections:subjective and objective aspects.The author analyzes how the various reasons lead the individual housing loans to default behavior.Then the author gives some suggestions for improvement.ChapterⅣ:It takes the Agricultural Bank of China Sichuan Branch as an example to introduce individual housing loans of commercial banks and their course of development issues in risk control.ChapterⅤ:According to the previous analysis, this chapter gives some suggestions for the Sichuan branch of the Agricultural Bank on housing loans in the risk control measures.It is hoped that the Sichuan branch of the Agricultural Bank can ensure personal housing loans with more security.