Research On Housing Mortgage Loan Risk Control Of China GuangFa Bank

In2011, after the bank gives key transformation to retail banking strategy, the housing mortgage loan business has been taken a priority retail business development, but because of the housing mortgage loan risk with delay, factors affecting the borrower repayment and with the changes in the external environment with diversity, so how to avoid and prevent the risk becomes an urgent problem for smoothing development of the business.Paper has been divided into four chapters, the first chapter is the introduction; the second chapter is the summary of characteristics of housing mortgage loans; the third chapter introduces the development status, China GuangFa Bank Dalian Branch approval process control and risk analysis; the fourth chapter studies the counter measure for the risk of personal housing mortgage business.The emphasis of this paper lies in the establishment of the comprehensive evaluation model for prevention and control of personal housing mortgage loan business loan risk, the establishment of an independent risk review job to improve the bank risk management process, establish a sound credit management system to control credit risk early warning and risk prevention and control system, thus forming a full range of loans, including examination and approval, after the loan to make default risk be minimization for the housing mortgage loan business.In this paper, the characteristic and innovation lies in the following aspects:(1) through the establishment of the comprehensive evaluation model of group of borrowers, credit has been divided and score and meticulous, credit scoring differences using a digital system to express the borrowers, and digital quantization results as the loan decision-making, the default probability, so that the scientific decision-making of loan.(2) thtough examined by the establishment of an independent risk review posts, and the establishment of special review channels, promoting the specialization of pre-loan review, give full play to the functions of pre-loan review, improve personal housing mortgage loan review approval efficiency, and more effectively enhance the risk control ability of the business.(3) through the establishment and archival regular surveys of borrowers registration system to improve the credit management, can be done on the loan default risk monitoring, at any time control the economic situation borrower repayment ability, early warning of the risk of default may occur in time, and make the corresponding countermeasures, in order to reduce the default risk.