The Research On Risk Prevention Of Individual Housing Loans Of BC Bank Dalian A Branch

In recent years, the development of personal housing has brought a vigorous commercial chance and personal housing loan has become an integral part of the commercial Banks loan business. Meanwhile, personal housing loan also became the most effective way of China's residents personal housing problem. However, in China, due to the starting late and short history of the personal housing loan business, commercial banks face many problems about the prevention and control of personal housing loan risk. While BC bank Dalian A branch has achieved a certain development in personal housing loan business, but also faced with problems, like how to better and more efficiently reduce the risk of personal housing loan and avoid unnecessary losses.This study took the A Branch as the research object, adopted case study method, and based on the review and study about the domestic and foreign research results to analyze the present situation and problems of personal housing loan in A Branch. Then we identified the potential risks of the existing problems and explored the major causes leading to these risks in order to put forward the risk prevention scheme of A Branch personal housing loan business.This paper includes five parts as a whole. Among them, the first chapter of this paper expatiated generally the research background and significance of this study, review of literature and the research content and methods. The second chapter made a systematic review on the theory about personal housing loans, personal housing loan risk and cause, and personal housing loan risk factors.The third chapter described the status of A Branch personal housing loan business from three parts which included the situation and process of personal housing loans, the bad personal loans, and bad personal housing loan. Based on A Branch personal housing loan business status, the fourth chapter identified the types of risk and analyzed the causes. The fifth chapter, on the basis of the above analysis and research, designed the prevention scheme of risks through constructing the basis for prevention and control of internal risks, the system of risk prevention and different measures for different types of risks.