The Study On Personal Housing Loan Risk Management Of XX Branch Of J Bank

At present, the commercial Banks to develop individual housing loan business focus on the current credit structure adjustment, with more than ten years, the rapid development of personal housing loan business of personal housing loan balance gradually increase the proportion of total assets of the balance of bank. Stagnation in the real economy development, adjusting economic structure transformation throes under the influence of many factors, such as the financial sector increasingly rising risk, personal housing loan business the risk of default is at the forefront of industry risk, further intensify the pressure on its risk controls. Although the current real estate market recovered under the policy stimulus, but the overall situation is not optimistic, especially in the second and third tier cities will continue to deal with inventory significant pressure, structural adjustment of real estate, developer reshuffle, development, small and medium enterprises in the fierce market competition to be being washed out gradually, the macroeconomic persistent downward and the structural adjustment of the real estate market, led to the borrower family income and reimbursement ability to drop, to exist in some parts of high pressure, part of the project sales not free, the money collecting slowly, the development enterprise capital chain tension, lead to shutdown, construction, etc., some developers to declare bankruptcy or run, cause the item set to default. In the context of the current economic recession, how to guard against and dissolve the risk of personal housing loan, is each commercial bank must pay attention to and solve the problem.This paper aims at to J bank XX branch individual housing loan business as an example, draw lessons from the domestic and foreign relevant theory research results, get the main business of the commercial bank personal housing loan risk, and theory with practice, puts forward the measures to prevent and avoid risk of personal housing loan business benign, healthy and sustainable development has very important practical significance.This paper choose.1 XX branch of the bank to handle the personal housing loan of specific business as the research object, through the analysis of J bank XX branch the characteristics of individual housing loan business, and further through the bank of J, XX personal housing loan business related data, operation process, system construction, post Settings and so on carries on the comprehensive analysis and research. Find out the current J bank XX branch of personal housing loan business risk.Taken various research methods, including statistical analysis, literature analysis, comparative analysis, case analysis and other methods. By combing J bank’s personal housing loan documents formulated by the relevant system, analysis the main points of the risk prevention and control, and relevant rationalization proposal is put forward. By J line XX branch of the investigation of the status quo of the personal housing loan risk, instance analysis and business data such as research, mainly to the following conclusion:there are four aspects of risk, risk is a "false personal loan"; The second is the borrower credit risk;3 it is bank internal risk; Four is partner risk. Through further analysis, the author thinks that can risk prevention from the following several aspects:one is the "fake personal loan" risk prevention strategy:developers access system, strictly to do a good job of screening property developers and good cooperation, from the source to control risks; Strengthen the property developers, intermediary institutions and management, from the source to prevent loan risks; Refine loan before each responsibility, from the process will be "false personal loan" identification and prevention before item by item, to borrow the business link; Strengthen post-loan management and guard against and dissolve the "false personal loan"; Strict responsibility, strengthen the responsibility consciousness; The second is the borrower credit risk prevention strategy:strictly the customer access, implement differentiation strategy; Score for credit application, unified risk appetite;3 it is bank internal operational risk prevention. To strengthen the construction of rules and regulations, the standard post Settings; Strengthening the concept of individual housing loan business risk management:Strengthen the management of customer manager, standardize business operations; Perfect system, improving the capacity of the mechanical control; Four is partner of risk prevention strategy. Perfect intermediary company cooperation with the standard of "access"; Out of the bad intermediary companies to establish mechanisms; Ensure that business operate independently.Have made innovations in this paper mainly from three aspects:one is through the bank of J, XX personal housing loan risk management present situation carries on the detailed analysis, find out the current J bank XX branch individual housing loan business the risk point of combination of J bank XX branch of the actual situation of individual housing loan business from "false personal loan" risk, the borrower credit risks, risks of bank internal operation risk, partner and so on four aspects put forward the corresponding risk prevention strategies;2 it is proposed to "score card" system into J bank examination and approval of the main system module, through the personal credit business risk measurement (model), organic combination of policies, procedures, to achieve personal housing loan approval mass, automation, effectively achieve mechanical control of individual housing loan risk management; Three is a way to distinguish the measure table of customer characteristic factors and the influence degree of the loan defaults were analyzed, and finally it is concluded that XX J bank branches in the individual housing loan business, deposits, income, debt ratio, family income greatly influenced by default to the customer, therefore, the receipt and approval of the personal housing loan business, should focus on the three indicators.Hope this research to individual housing loan business of commercial Banks risk management to provide useful reference.