The Personal Housing Loan Risk Management Of Empirical Analysis Of The China Bank-S Branch

Since the reform of housing system in our country in the late 90's of last century,the real estate industry has made considerable progress,and also to promote the rapid development of individual housing loan business.But with the real estate market has become increasingly saturated,the real estate market slowdown coupled with the overall economic growth in the past few months,and a number of small real estate developers loan defaults.These new conditions have increased the difficulty of risk management for the bank of individual housing loan project.How to do early identification of risk,and the effective risk aversion,evaluating the individual housing loan project risk management,which helps banks understand their management problems and improve the quality of individual housing loans,and promoting the healthy development of bank operation.According to the overall situation of China's housing loans,this paper introduces the concept of individual housing loans and project risk,and classified the risk of the personal housing loan project.Based on the analysis of individual housing loan risk causes,summarized loans to individual housing loan project process and risk management process,and described the China Bank--S branch of the two part of the development.According to the present situation of China Bank--S branch of business and personal housing loan risk management of the project which includes 5 aspects: the establishment of evaluation index system of political risk,market risk,force majeure risk and operational risk,credit risk,and giving a detailed description of contents and scores of each index,using AHP to evaluate the effect of risk management China Bank--S branch of individual housing loans,and results show that the China Bank--S branch of individual housing loan risk management of the project belongs to the middle level.At end the China Bank--S branch put forward tostrengthen management of individual housing loan risk management,and giving countermeasures and suggestions of preventing credit risk and operational risk.This article is on the bank of China,S personal housing loan risk management of empirical analysis,the article studies the individual housing loan risk management of branch in the future has a certain guiding significance,but also to other Banks to provide certain theoretical guidance and practical reference.