A Study On Risk Control In Housing Loan For ShangRao CCB

Along with our country to vigorously promote the urbanization construction and the improvement of people's living standards,improve the housing conditions of the residents demand for individual housing loans has also become an important profit growth point of commercial bank.CCB is one of the commercial banks in China for individual housing loans early,rapid development.In the face of the impact of cyclical economic crisis and China's economic downward pressure,individual housing loans has entered the stage of risk,how to identify and guard against,control and risk management of individual housing loans,enhance the overall quality of asset operation,has become an urgent need to address the problem,this paper analyzes the Shangrao City branch of China Construction Bank personal loans risk factors,comprehensively explored the bank's risk management system construction and related measures,with strong practical significance and the theory value.On the civilization of the background and significance of the topic,and focuses on the subject of financial risk research,review and summarizes the theories of risk of commercial bank housing loans to individuals and the latest developments at home and abroad.After defining the definition and characteristics of individual housing credit risk,the risk of individual housing loans in commercial banks are classified and summarized,and the risk factors are analyzed and the theory of loan risk management is explained.Combined with the status quo and problems of the construction of Shangrao branch,Bank of individual housing loan risk management of in-depth analysis,and Shangrao City branch of China Construction Bank individual housing loan business present situation and the management pattern of description,in-depth analysis of the characteristics of internal risk management system,risk management and problems existing in the physical.In the aspects of the status quo is mainly around the overall situation of Shangrao City branch of China Construction Bank,interbank comparison,asset quality analysis;in the individual housing loan risk management is mainly developed from the post loan management and internal control two aspects.The present situation of commercial bank risk management theory and the Shangrao Construction Bank branch based on the proposed optimization measures of prevention and control of risk: the creation of advanced risk management culture,is building a risk culture system,strengthen risk management consciousness and strengthen the construction of talent team and quality;strengthen the construction of the system of the personal housing loan risk management,focus on strengthening the construction of the credit business management system,perfect the risk reporting system construction,strengthen risk monitoring and early warning system,improve the internal control system;strengthen the market judgment and decision-making ability,from strengthening research on macro economic development trend and the real estate market and the implementation of differentiated management concept;perfect internal management mechanism by strengthening the supervision and management mechanism perfect combination of incentives and constraints restricting mechanism,detailed job responsibility system Management responsibility system,improve the overall information technology support ability.