On The Risks And Countermeasures Of Individual Housing Loans In Commercial Banks

As a kind of long-term loans,individual housing loan business risk with concealment,hysteresis.As the hot real estate market in China in recent years,housing prices soared,personal housing loan business risk the possibility of large area exposed more and more big.At the same time,under the guidance of mortgage interest rate policy,the rapid development of the real estate attracted a lot of hot money to participate in,and the leverage of mortgage,the continuous expansion of the real estate bubble,and the risks it on to the bank.Therefore,in the current economic situation,commercial Banks have to re-examine the adverse consequences of the personal housing loan risk and take effective preventive measures.It was for the above consideration,based on the work unit-societe generale binzhou branch as the object of case study,the main bank of personal housing loan risk and its prevention and control measures were studied.The results show that:(1)the information provided,according to societe generale binzhou branch data,through the relevant data analysis method of binzhou personal housing loan risk management of the existing problems are analyzed,and can be found that the bank's non-performing loan ratio increased year by year,facing the risk of default risk began to emerge,the bank need to intensify investment in risk management,attaches great importance to the improvement and improving of the default risk defensive measures.(2)through quantitative analysis,this study from the external environmental factors,the applicant itself factors,bank partners and internal management four angles in-depth societe generale binzhou branch personal housing loan business operation and risk situation,points out the main risks to the bank's personal housing loan business point and the existing problems at present in the risk management work.(3)based on the internal and external market environment,aimed at societe generale,binzhou branch current in personal housing loan risk management problems that exist in the improve the basic strategy and measures are put forward,which will help societe generale binzhou branches of the healthy development of individual housing loan business of commercial Banks at the same time strengthening the management of personal housing loan business risk has certain reference significance.In view of the above research results,this paper based on the theory of risk management of commercial Banks and the current situation of binzhou branch,puts forward some prevention and control measures of risk: the basic strategies include shape good risk management culture,appropriate role of risk management transfer mechanism,accelerate the construction of individual housing loan management system,develop the introduction of advanced science and technology as the support four aspects.Risk defensive measures including strengthening the study of macroeconomic policy,establish a personal housing loanbusiness center,perfecting the credit risk management information system,control the whole process of housing loans to individuals work in four aspects..This paper used research methods mainly include the learning model,factor analysis,such as an application example,and the theory and practice combined with each other,puts forward the concrete countermeasures of controlling risk,to the real application has certain guiding significance.