Research Personal Housing Loan Risk Management Of The XX Commercial Bank

Since the late 1990s,the personal credit business of commercial banks in China has been rising sharply.The growing of the amount of personal loan business represents that our country's credit market has been in rapid development period.But in the late 1990s,personal credit business was still the emerging business in China,there had not been a current credit model which could be directly applied to the risk management of personal credit business,and it hadn' t form a complete stand-alone system.As the dramatically growing of the consumer credit business volume and the types of personal credit business in China,the existing risk management system has not been able to meet the requirements of individual credit risk management.So the existing risk management system should be improved and enhanced.This article mainly researched and discussed the risk management of personal credit business in XX commercial bank.According to the "Basel New Capital Accord" and the research results of the Finance-related scholars at home and abroad,the entering point for this article was found out.According to the lack of personal credit risk management research of the domestic and foreign researchers,the effective countermeasures for the risk management of personal credit business in XX commercial Bank were made out.With these measures,I hope to make personal efforts and contribution for the risk management of personal credit business.Based on the main issues of the personal loan risk management in XX commercial bank,namely:the borrower's income volatility and moral hazard,personal credit risk management in commercial bank is weak,the lack of a sound legal system specification,the effect of commercial banks risk and economic changes on individual credit.Analyzing the above problems in conjunction with other existing risk of personal credit business of commercial banks,this article formulated the basic countermeasures for personal loan risk management of XX commercial bank,namely:credit risk prevention measures(strengthening the legal system and establishing the risk control system for personal credit loans);operational risk prevention measures(establishing the effective risk prevention mechanism,being strict with the operational procedures and creating a risk control culture with the core of "Honesty and Cautious ");market risk prevention measures(optimizating the environment of the market risk management,improving the level of the market risk management and establishing the asset and liability management system).