Research On Risk Control Of Mortgage Loan For YC Bank Individual Housing

With the rapid development of the real estate market, banks personal housing mortgage loanbusiness is also growing rapidly, it can be said that the bank personal housing mortgage loans tothe important role in promoting the rapid development of the real estate market. It should benoted that many commercial banks in the development of individual housing mortgage loanbusiness, and not strictly comply with the relevant risk management standards, the lack ofscientific and advanced personal housing mortgage loans risk management method, which alsoproduced a series of problems. In recent years, with the development of the real estate marketdecline, commercial banks are exposed in the personal housing mortgage loan risk control issuesare more prominent, and even some commercial banks caused a huge financial risk and badinfluence to the development of commercial banks, health, stability.In this paper, the individual housing loan business of YC bank is studied as an example,through analysis of the YC bank in personal housing mortgage loan risk control problems, putforward the corresponding settlement measures, in order to improve the YC bank personalhousing mortgage loan risk control, improve the overall risk control ability. And through theresearch on risk control of individual housing loans of YC bank, the universal problem in thepart of the current problems of China is the commercial banks in the personal housing mortgageloan risk control, which can be reference for other commercial banks to regulate individualhousing mortgage loan risk control.Based on the analysis of the case study method of YC bankpersonal housing mortgage loan business risk control analysis, found the YC banks in individualhousing mortgage loan risk control, there are still a number of issues more prominent, mainly interms of the information asymmetry risk, operational risk and credit risk problem. In view ofthese problems, this paper analyzes the background and reasons, and puts forward thecorresponding improving measures.