Bank Of China Zhengzhou Second-hand Housing Mortgage Loan Business Research Report

With the continuous development of the real estate market, second-hand housing transactions accounted for the proportion of the entire real estate transactions continued to increase. Starting in 2004, Shanghai, Beijing and other cities in the first tier cities over the half is second-hand housing transaction volume. In recent years, the proportion of second-hand housing transaction volume in Zhengzhou urban areas is also increasing. With the second-hand housing mortgage loan demand is exuberant, is expected to move only in twentyfirst Century a real estate intermediary in Zhengzhou region this year, the annual turnover will be more than 8 billion yuan, of which more than 75% of the amount required to apply for mortgage loans to bank loans, far more than the general real estate development enterprises. And relative to other loan business,the second-hand housing mortgage loan is the bank's personal retail business in low risk, high income quality business. Banks attaches great importance to this growing cake.Due to the opportunities and challenges of the domestic economy in the new normal period, the optimization of economic structure faces a series of contradictions and problems. The nationwide commercial banks non-performing loan ratio for the 11 quarter continued to rise, increasing pressure and control of the quality of credit assets, loans from financial institutions to launch, especially for the exposure of high concentration of industries and regions tend to be cautious. And for mortgage loans continued to maintain a high degree of support.Second hand housing mortgage loans as the current focus of asset business development, can be used as a breakthrough in the development of personal credit business, to achieve the optimization and adjustment of credit business structure. Is conducive to improving the EVA, RAROC and other risk adjusted performance indicators, in line with the head office of the credit business to take the light of the development of the road of capital requirements.In recent years, Bank of China to understand and execute the strategic decision on the higher line "to develop retail consumer loans, to provide a mechanism to accelerate the development of loan business departments, actively change the mode of growth, the road of reform and innovation, to achieve a business sustainable growth. was determined to housing mortgage loans, the focus of marketing high-quality real estate developers project development ideas of second-hand housing mortgage, mortgage " to develop, is committed to enhance the strength and market competitiveness of Bank of China.After an effort, in the Zhengzhou urban area, I have a second-hand housing mortgage loans made in the development of the system faster good results. But compared with the same industry in the region in the scale, efficiency, customer base, network channels, credit resources, there is a certain gap.In the face of the current circumstances and business situation, to enhance the bank's second-hand housing mortgage business competitiveness, promote the sustained and healthy development of the business, the author carries on the investigation to the Zhengzhou area of second-hand housing market, including the industry to collect information, and its branches and outlets for interviews and a questionnaire survey of second-hand housing mortgage customers basic information etc.. Through the investigation, we initially concluded the problems,analysis of the gap, the promotion of second-hand housing mortgage loan business development measures and suggestions.Through special investigations, surveys and other methods, and strive to accurately reflect the status quo, BOC of Zhengzhou urban secondary housing mortgage business problems, analysis of the current situation of the urban area of Zhengzhou second-hand housing mortgage business; by analyzing the results of a survey of second-hand housing market needs of customers; and to compare the inter personal second-hand housing mortgage business customers the foundation,business management, resource allocation, risk management and other aspects, to determine the secondary housing mortgage business development bank of China Zhengzhou area in Henan province and puts forward the ideas, Henan Province branch of the secondary housing mortgage business improvement scheme, andexplore feasible measures for the implementation of second-hand housing m o r t g a g e b u s i n e s s d e v e l o p m e n t p l a n i n t h e b a c k g r o u n d o f economic new normal under.This paper consists of five parts. The first part is the introduction, mainly expounds the purpose, significance, research methods and scope; the second part around the Zhengzhou city housing stock trading market situation, the relationship between supply and demand, industry policy and credit policy,analysis of the impact of the local economy, the credit policy of second-hand housing; the third part analyzes the present situation from the BOC second-hand housing mortgage business policy the flow and the development, similarities and differences and development status, and peer comparison of this business management mode and other aspects, try SWOT analysis on the Bank of secondhand housing mortgage business, analysis of the common characteristics of all commercial banks in the region of the business operation and the common problems faced by the questionnaire survey results; the fourth part mainly from early start, analysis of the second-hand housing buyers survey, trying to outline the basic demand of the market In this background, the demand for loans,transactions and risk status, market positioning for BOC of the business; in the fifth part of the investigation and, of BOC in the Zhengzhou area of second-hand housing mortgage business prospects, risk, countermeasure analysis.