Report On Individual Housing Loan Business Of A Branch

Along with our country economy fast development, and constantly promoting urbanization, more and more people want to live in the city, it promoted the city housing demand gradually intense, urban housing demand to promote more than 10 years of rapid growth of real estate in our country, at the same time, China’s house prices are rising, buyers completely rely on their own income is difficult to payment, most of the buyers will be facing the contradiction between actual purchasing power and consumer demand does not match, therefore, our country commercial bank in the policy guidance, has started the personal housing loan business, in order to better alleviate the conflict confronted by the buyers, a business for commercial Banks in China also brought huge benefits.Based on A branch as the research object, on A branch, on the basis of investigation and data sorting, first of all, the sub-branch personal housing loan business development environment is A detailed analysis, including macro market environment analysis and xixiang pond area competition market analysis; In detail, secondly, introduces A branch, the bank of the development of personal housing loan business, including business requirements, business scale, business structure and business asset quality; Again, through the above analysis in the process of development of personal housing loan business is small scale, low risk control ability of business and management system is not sound, Finally, the article from mining market demand, increase business scale, strengthen personal loan risk management and improve the personal housing loan business management system and the establishment of professional talent team four aspects proposed the branch several proposals on the development of personal housing loan business.