Research On The Optimisation Of Risk Management Of House Loans In Hefei Science And Technology Rural Commercial Bank

Hefei Science and Technology Rural Commercial Bank was established on February14,2007.It is a capital city of the country's first rural commercial banks.As a rural community commercial bank,Hefei Science and Technology Bank began to personal loans as a new profit growth point in urban and rural integration development.At present,China's economic development into the new normalization,the economic downward pressure to increase the personal housing loan business risks gradually appear,concerned about loans,bad loans gradually increased,the risk prevention and control situation that it is more severe.Improve execution ability,identify risk characteristics,and strengthen management a series of risks,that is the current Hefei Technology Problems in the Development of Housing Loan Business.This article is in accordance with the “proposed problem? theoretical research ?analysis of the problem? solve the problem”.Hefei Science and Technology Bank as an example to analyze the risk management of housing loans,make full use of literature research methods,empirical analysis and other methods,a clear domestic and foreign research status and related theories,understanding of housing loan risk management based on the research results of compaction research Theoretical basis.Then a comprehensive analysis of local economic development in Hefei and the real estate market conditions,clarify the division of housing loan business market situation and risk status quo.Taking the credit risk of rural residents' housing loans,which is the main customer base of the Branch,as an empirical analysis case,a quantitative analysis model is set up based on actual working samples.Finally,the influencing factors of rural residential housing loan risk are obtained through the regression model building and the rural residential housing Loan risk analysis concluded that the current branch of the rural residential housing loan risk management,customer access mechanism needs to be perfected,the interest rate leverage has not been fully realized,the lending fine management,individual housing loan team building level is not high.Through the research in this article,the expected research goal is to focus on the status quo of HSBC mortgage loan development and risk management,take appropriate management measures to ensure that the right remedy can be solved and the current risk problems in the credit field can be solved,so as to further enhance the bank's housing.The risk prevention and control ability of the loan business enabled the business to grow healthier and faster.Finally,we put forward countermeasuresand suggestions to perfect the risk of housing loan in the branch,such as strengthening the censorship before individual housing loans and strictly controlling clients' access;strengthening the management after individual housing loans to avoid the decline of asset quality;improving the professional level and strengthening the individual Loan business staff team building.