The Credit Risk Reaearch Of Bank A Individual Housing Loan

Since the individual housing loan business is Bank A was started in 1998.The individual housing loan scale has rapidly increased. However, while the scale of we individual housing loan has been increasing. The loan risk has gradually appeased, among a great many credit risk centrally method, it is the most powerful method for bank A to reduce individual housing loan risk by evaluating credit risk comprehensively and accurately and by carrying set risk-transferring mechanism. Therefore, this article will introduce credit risk related theories in detail together with the risk management of individual housing loan in Bank A.This essay consists of three main parts:In the first part, some theories of relevant Credit Risks Management are explained; the traditional and modern measurement methods in light of the Credit Risks are briefly introduced as well as the Credit Risks Managements.The brief introduction about the current status of Credit Risks Managements on individual mortgage loans from the commercial banks both home and abroad; the analysis about the factors of Credit Risks are made on individual mortgage loans of the commercial banks in China, while in this process, the existing problems are identified and the management strategies and operative methods are also put forward in line with the present situation.The current Credit Risk Assessment System of A bank is introduced and the further Credit Assessment measures are also brought in, which are expanded into the combination of qualitative assessment and quantitative assessment from the sole qualitative assessment. Meanwhile, the methods of improving the Credit Risks Managements of the A bank is also proposed. A case is specially chosen for showing the advantages after the improving methods are carried out.The key point of the article is mainly about how to improve the existing credit risk management system in Bank A by analyzing the risk of the individual housing loan and create logistic model by employing quantity analysis and dividing the customer credit risk and employing the risk appraisal theories and the risk-transferring policies.