| How can both develop a market economy and be able to have good control ofindividual housing loan risk,maintain a balance between the market economy andrisk control,enhance the individual housing loan business risk control,is an importantissue to promote the normal development of China’s commercial banking market.According to the risk and the management in our country.individual housingcredit,it tried to find out the reason of risk ambush and increase.It manifested as theinformation is not transparent,the market behavior and the supervising andmanaging are not standard,the credit system and exterior legal system imperfect isnot well and so on.But for the bank’s reason,internal management systembackwardness also formed main reason of individual housing credit risk,created theindividual loan risk.The counter measures are put forward according to the Hbank,such as improving the risk management,and constructing the personal loansystem to reduce credit risk etc.This paper have five chapters,the first chapter is introduction,mainly describesthe background and significance,research objectives,the second chapter is the riskmanagement theory of individual housing loans of commercial banks,from theclassification of individual housing loans and aspects,the types of individual housingloan risk,the third chapter is H Bank personal housing loan risk description andproblem analysis,from H Bank introduction and Status of the real estate market andexisting problems in the H bank,the forth chapter is how to improve the H bankhousing loans risk control recommendations,combined with the contents of theprevious section, respectively made some suggestions,the last chapter is concludesthe paper.Therefore, this paper analyzes the types and cause of risks of personal housingloan of H bank in different angles and make some proposals for controlling risksaccording to this bank’s real operation condition of the personal housing loanbusiness. To some extent, this paper has strong significance of theory and reality. |
PDF Full Text Request