Study On The Housing Funds Risk Management Of YT Housing Funds Center

In1991, It was established that Housing Funds System in China, the System has a rapid development in the past20years. According to statistics, by the end of2011, there are the cumulative deposits of4trillion Yuan, deposits the balance of2trillion Yuan in China. Risk management is an important part of the housing funds management, the objective of housing funds risk management is to identify measure, monitor, and control the various risks, to protect safety of the funds.There are5parts in the article. The preface is Part1, introduced theory and reference about the housing funds risk management in Part2, analysis the problem of the housing funds risk management of the YT center in Part3, to propose a solution in Part4, and conclusion is Part5.It provides services for the railway workers that YT housing funds center, the scope of services beyond the scope of one city or even a province, which led to its risk management particularity. There are three aspects risk in YT housing funds center: loan, paid, and funds management. The causes of the risk have two aspects of subjective and objective. By analyzing the situation of the housing fund risk management, the paper proposed countermeasures to improve risk management: to develop advanced" risk culture, strengthening internal control system, to prevent and control credit risk, to allocation and manage funds better, to improve assessment and evaluation of risk management.In shortly, the housing funds’ risk management is a systematic project: culture of risk, internal control, external supervision, and assessment and evaluation system. To do it better, protect safety of the funds.