Research On Risk Prevention Of Personal Housing Loan In Shijiazhuang Branch Of Agricultural Bank Of China

With the rapid development of the real estate market,individual housing loan business has become a very important part of the various banking business,but most of the commercial banks in the management of this business on the heavy benefits,light risk,lack of scientific,rigorous Risk prevention mechanism,inevitably to the business in the future sustained and healthy development has brought hidden dangers.How to maintain the individual housing loan business continued to grow,and the possible risk of reasonable prevention,which is to promote China's commercial bank market stable and healthy development of the important issues.This paper analyzes the classification and characteristics of individual housing loan business risk and finds out the causes of individual housing loan risk,and then analyzes the current risk of individual housing loan business on the basis of the present situation of personal housing loan business of Shijiazhuang Branch of Agricultural Bank of China and provides corresponding Perfect countermeasure.This paper analyzes and analyzes the existing problems of false mortgage risk,the valuation and disposal of collateral value,the early warning of post-loan and the problem of credit management,the external financial and legal risk of the individual housing loan business of Shijiazhuang Branch of Agricultural Bank of China.Out of the current shortcomings.From the strict borrower access to prevent fake mortgage,housing loan securitization to improve asset liquidity,improve the post-loan supervision and overdue collection,bad debts write off,improve the external environment and other aspects of the proposed recommendations.Hoping to be on the Agricultural Bank of Shijiazhuang Branch of the individual housing loan business in the long-term development of useful,to enhance the bank's ability to prevent risks,but also hope that the same industry to provide some reference for other banks.