| China's real estate market has experienced nearly ten years of development, at the same time, the commercial banks of individual housing loan business scale to achieve rapid growth. In recent years, the development of the real estate market gradually differentiated, a second tier cities housing prices remain strong, the three or four line of urban demand is shrinking, the development potential is insufficient, the commercial banks and the risk of housing loans of commercial banks is becoming increasingly difficult and pressure, H bank Chuzhou branch is facing this situation. Due to the speed of business risk management structure adjustment to keep up with the pace of market development, leading to the Chuzhou branch of H bank personal housing loan business there are many problems, there are market access management, there are aspects of the loan before the loan, but also a risk approval process, these problems have seriously restricted the size and speed of business development, so it is important to improve and perfect the H bank's personal housing loan business risk management.Based on the analysis of current development of Chuzhou branch of H Bank of individual housing loan business, combined with the situation of Chuzhou is the development of the real estate market in recent years, through a combination of qualitative and quantitative methods, to find out the individual housing loans in the three major risk management ask questions, which are the risk management standards of market access low, operating risks existing in the loan before the loan and loan business risk management and control model defects, to analysis the reason, according to the author in the risk management of bank credit business experience, starting from the needs of business development, combined with the H bank's risk preference, puts forward relevant countermeasures, in order to reduce the credit risk and operation the risk, to maintain rapid and healthy development of the business. |
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