Research On Risk Management Of Personal Housing Loan Business Of G Bank Changchun Branch

Since the housing system reform in 1998,China's real estate market from scratch,to achieve a rapid development by leaps and bounds.In the past two decades,commercial banks' personal housing loan business has provided huge financial support for the development of the real estate market and the national economy.With the rapid development of individual housing loan business is accompanied by the increasing risk of default.Especially in recent years,under the background of deep real estate supervision and control in China,the risk of individual housing loans is gradually emerging,and it is of great theoretical and practical significance to carry out in-depth and meticulous research.In this paper,G Changchun Bank branch as the research object,firstly explains the concept and content of personal housing loan risk management connotation,system and method,which laid the theoretical foundation for the follow-up G Changchun Bank branch individual housing loan risk management.Secondly,combined with the current situation of G branch of Bank of Changchun,this paper analyzes and summarizes the existing problems and causes of the personal housing loan risk management.Thirdly,based on the problems existing in the whole process of loan risk management of G branch of Bank of Changchun,this paper puts forward a series of solutions.Finally,from the aspects of strengthening personnel training,introduction of insurance guarantee mechanism,and strengthening the construction of electronic banking,the paper puts forward some measures to protect the personal housing loan risk.Through this research,we may improve the risk control system,improve the bank's personal housing loan bank management ability and risk control ability,guarantee the health of banks the stable operation,to promote more rapid development of banks.