Research On Housing Loan Risk Control Of D Commercial Bank

In recent years,China's real estate industry has developed rapidly,investment growth quickly,housing prices continue to rise trend.From the national economic situation,the past two years due to the economic downturn,banks and other financial institutions based on the consideration of the cost of risk,the funds from the original to the big company credit turn to the housing finance,especially in the face of city residents housing consumption,and the housing market because it is closely related to people's life and has attracted great attention.With the increase of the transformation of the old city and around the people's standard of living continues to advance,the residents of housing demand is increasing.With the rapid development of the national housing finance at the same time,we should be alert to the accumulated and the possibility of the outbreak of financial risk.The development of housing finance,the province of the financial industry and the real estate industry is closely linked,and the real estate market itself has the characteristics of high risk,large amount of the national real estate development companies continue to pour into Yunnan the market,a lot of money has been through the financial system involved,which is bound to commercial bank housing loans also face higher risks.Compared with other first-tier cities,Yunnan Province in the second city,the development speed of the development of the real estate market is slow to first-tier cities,but with the housing finance reform in Yunnan Province The deepening of financial liberalization,internationalization advancement,the volatility of the whole Yunnan province housing loans will continue to increase.The stability of the financial order,will be related to the reform,stability and development of the overall situation.Therefore,the risk of housing loans of commercial banks continue to accumulate,we must pay attention to,should take relevant measures to disperse and resolve,to achieve the protection of Yunnan commercial bank housing loan market stable,healthy development.Based on the D commercial bank as the representative,starting from the housing loans of commercial banks risk control perspective,according to the housing loan risk problems at present,research on risk control of housing loans in D commercial bank,with small see big,its purpose is through the risk control measures put forward new measures on prevention and control the commercial bank housing loan business,the risk of commercial banks can carry out all aspects of the control in the sequel.But when the housing loan business risk control is with the continuous change of the market and update,this is a dynamic process that needs to continue to develop,constantly updated.