XX Brokerage Company In The Personal Second-hand Housing Loan Risk Management Analysis

Personal second-hand housing loan resources at present, China mainlyconcentrated in the hands of the real estate intermediary agencies, intermediaryinstitutions how to effectively identify risk factors and the reasons of loan business, andhelp its loan business smoothly; At the same time, early recognition of second-handhousing transactions and possible risk in the loan application, to reduce the parties andthe loan risk of commercial Banks is of positive significance.This article from the intermediaries, borrowers, Banks, pawn, market environment,and other Angle analyzes the formation cause of second-hand housing loan risk;Through XX of the investigation of the status quo of the brokerage business, analyze theloan risk management processes and measures to build the personal second-handhousing loan risk evaluation index system, and carries on the analysis, the limitations ofthe existing risk management measures are put forward at the same time; Based onforeign advanced areas of personal housing loan risk control experience summary andanalysis, in view of the XX brokerage company in the personal housing loan riskmanagement puts forward the countermeasures and Suggestions: improve the riskmanagement organization structure, clear responsibility, risk management department toimprove loan business process operation, assist the commercial Banks to improve creditinvestigation, establishing and perfecting the clinch a deal before the customer datainformation platform, establishing the system of property insurance risk controlmeasures.This paper takes XX agency as the research object, to control personalsecond-hand housing loan risk of targeted preventive measures are put forward and thesuggestion, research on other real estate intermediary agencies and financial guaranteeagencies have certain reference significance.