The Research On The Individual Housing Credit Risk Management Of Bank Of Communications's Changsha Municipal Branch

In the developed countries, consumer credit has a long history, which has accumulated rich experience. In China, in a development of country's economic, it brings a good opportunity for the social prosperity and corporate financing channels. With the development and strength of Chinese capital market, it increases corporate financing channels effectively. Individual housing loans create a new profit structure as a most part currently. The individual consumer credit business of core business with high yield is gradually becoming the uppermost business and one of benefits source in Hunan branch of Bank of Communications. However, with the circumstance of vigorously developing individual housing loan business, bank competing for market share. It is becoming a malignant competition by simplifying loan procedures, not strict censorship of related materials and even accepting false materials.This article systematically introduces the current development course and work condition of individual credit business in the Hunan branch of Bank of Communications, analyzing the product structure and benefits of credit as well as Credit business competitiveness, get conclusion of the risk which is faced by the individual credit business in the Hunan branch of Bank of Communications, and analyzing reasons profoundly. Then summarizing the foreign commercial banks in terms of individual housing credit management success in detail, on this basis, combining with the actual situation of the bank of Hunan Branch we put forward the individual housing credit risk prevention measures and safeguard measures.Through research, we propose to actively promote cross-line through credit score personal credit system, to implement a tiered pricing of risk-based pricing strategy, and to actively promote mortgage securitization, to strengthen selection and training of professionals and to build the credit risk warning system to actively prevent individual housing credit risk. Meanwhile, effective measures to safeguard the smooth progress of the above, the paper also proposes to improve the relevant laws and regulations, and to accelerate the personal consumer credit system and the establishment of the national conditions of real estate finance and insurance system, in order to prevent individual housing to provide a good credit risk macro-environment.