A Study On Credit Risk Prevention Of Personal Housing Loan Business Of Suzhou Bank C

Individual housing loans as a commercial bank of a credit product,which due to less capital occupation,the risk is relatively low,the yield is relatively high characteristics,by the major commercial banks to promote its share of commercial banks also continued to rise,Individual housing loan business has gradually become a new profit growth of commercial banks and the future direction of development.At the same time in recent years,with the development of China's urbanization,economic growth slowed down,"to inventory" under the background,China's hot city housing prices show explosive growth,the demand for individual housing loans also showed explosive growth,The risk is also gradually increasing,such a risk will inevitably affect the real estate and its upstream and downstream industries,residents,banks and the entire national economic chain reaction,so how to effectively control the commercial banks personal housing loans risk,build residents,banks And the social common risk management system,is our urgent need to advance a task.From the point of view of research,this paper analyzes the current risk management of Bank C based on the current risk management of Bank C,and puts forward the corresponding countermeasures suggestions for the risk point of Bank C.This will help us to analyze the current macroeconomic development and This paper analyzes the real estate industry and the economic adaptability in China.In addition,through the actual data of Suzhou Branch of Bank C and the establishment of Logistic model,the author analyzes the main risks faced by individual loans of Suzhou Bank C,and obtains some of the main risks.Which is conducive to the bank to regulate the commercial bank housing loan business,to further adjust its management principles and strategies to prevent financial risks,to achieve housing loan business process efficiency and risk management balance;To achieve all aspects of risk management system,is conducive to strengthening the commercial bank risk management capabilities.Based on the existing research results,combined with qualitative and quantitative analysis,from the theory to the practice of research methods,the use of literature combing,case analysis,quantitative research methods and other methods to China's commercial banks personal housing loans specific practice and risk This paper analyzes the individual housing loans of Bank C,analyzes the credit risk and operational risk,and puts forward some effective countermeasures for the causes of credit risk.