Risk Analysis Of Personal Housing Loans Of Bank Of China Shaan Xi Branch

In recent years, each big commercial bank personal housing loan business has a great development, and gradually become the extremely important credit business, while also gradually become city residents to address personal housing is direct financing means. In our country, personal housing loans to start late, development history is shorter, commercial bank in its risk management experience and there is a great shortage of. Especially in the personal housing loan of the commercial bank in the period of rapid growth, pay attention to the development of business and expand the market at the same time, often ignore the potential risks of personal housing loan.This paper first analyzes the personal housing loan of commercial banks risk management basic theory, asymmetric information theory and the theory of the asset securitization, secondly, combined with the Bank of China Shaanxi branch credit development course and the present situation and the actual situation, analysis of the Shaanxi branch of the housing loan credit risk, risk of the mortgage, the bank internal risk management, as well as derived from policy, bank loans to housing management, real estate developers, and housing credit consumers four aspects of risk analysis, third, according to the above reasons according to the Bank of China Shaanxi branch of the personal housing credit risk management system are designed, respectively, from the personal housing credit risk management system, risk management, credit operation monitoring system process, internal management system, automated credit approval of the loan risk management system, a center of the loan risk management model in six aspects such as the personal housing loan risk management scheme design; especially the Bank of China Shaanxi branch should be more needs assessment developers assets credit, perfecting personal credit assessment, reduce and eliminate the malicious default risk, at the same time the introduction of insurance and guarantee mechanism In order to establish the mortgage market, the relevant system to improve as much as possible, in order to achieve and promote personal housing loan securitization, reduce and prevent personal housing loan collateral risk. The establishment of risk management center to strengthen internal control, improve the risk level and improve the risk management system to prevent internal management risk. Aggrandizement is macroscopical economic, political, legal studies, to guard against interest rate risk, economic risk and liquidity risk and other risks. Finally, from the human resources, system construction, organization structure, operation process and measures, Credit Incentive and so on several aspects of constructing guarantee system of effective implementation of the main measures.According to the Bank of China Shaanxi branch work in the master of the actual situation analysis, targeted, and how to solve the housing loan management risk problem, solution with strong practicality and maneuverability, the real work has high reference significance.