Research On The Risk Control Of Personal Housing Mortagage Loan Of QN Bank M Branch

Individual housing loan is a promising type of banking business and has great potential for development.With the rapid growth of China's economy,people's demand for housing will continue to grow,and the banks are expected to provide more credit facilities.However,with the rapid growth of the loan business,the potential risks are gradually exposed.How to effectively prevent risks while developing the business is a question worth further study.QN bank M branch is located in X city as tier-one branches of QN bank,the real estate business started earlier,real estate loan department was established in 1988.As of June 2016,various types of real estate loan balances has amounted to 18.576 billion yuan,including personal housing loan balance of 8.312 billion yuan,the market share in the first,vigorously support the development of the S provincial real estate industry,for the vast number of consumers of housing demand provided financial support,and set a good brand image in the mortgage market.However,the real estate credit business,many banks profits caused fierce competition M branch while still keeping the highest market share,but the market share is reducing year by year,as the country to increase the real estate macroeconomic regulation and control strength,real estate market has become increasingly uncertain,real estate credit risk is increasing.Therefore,how to compete in the murky real estate credit market in how to adapt to the national macroeconomic regulation and control policy,how to overcome its own shortcomings,while maintaining a steady rise in real estate credit,especially the personal housing loan balance of at the same time,to effectively control the risk of personal housing loan,become the bank of QN,M housing credit priority in the work.Based on the research of the domestic and foreign commercial bank credit risk management theory and internal control theory,from the QN bank M branch is based on the actual work,using qualitative and quantitative methods,using statistical software of QN bank M branch of ICBC individual housing loan risk and analyzes the traits of the.On this basis,this paper concludes that the risks of individual housing loans are closely related to the operation process,and the risks are contained in every operation.In individual housing loans existing before,during and after the link analysis,found that the risk factors may be induced in all aspects,discussed the causes of such factors,provide the basis for the improvement of the decision the next step.Based on the characteristics of individual housing loan business,in line with the purpose of risk prevention,using the AHP analytic hierarchy process to determine the most important risk control indicators,on the basis of the "new Basel Capital Accord" and "commercial bank's internal control guidelines" on the ideas and principles of risk control,the individual housing loan business organization structure design the new,reduced the level of management,improve the efficiency of examination and approval,from the source to eliminate the risk,design risk control scheme of individual housing loans,the scheme has improved control and afterwards control beforehand control,the function of increasing risk control points,enhance the awareness of risk control.In order to ensure the smooth operation of the program,it is proposed to establish a coordination mechanism,so that all aspects of internal control can coordinate each other,restrict each other,and form a sustained and dynamic mechanism.In order to verify the validity of the optimized QN M branch of Bank of individual housing loan risk control scheme,this paper introduces a specific case of individual housing loans,to evaluate the effect after the implementation of the scheme,confirm the operability and scientificity of the scheme.Finally,this paper combines personal housing loan business practice,puts forward risk control measures to ensure the effective implementation of the control program.The research of this paper can help QN bank M branch to understand the deficiencies of the individual loan process and implement the improvement,which will greatly promote the development of this business.Secondly,this paper individual housing loan risk control scheme of the design,can be changed in the past the idea of "heavy light tube",is beneficial to establish the risk consciousness,strengthen risk prevention ability,in the pursuit of scale at the same time ensure the safety of assets;Furthermore,the improved process of this paper reduces repetitive setting and waste,improves the operation efficiency of the loan,and enhances the core competitiveness.Finally,I hope this article research on the bank of QN,M individual housing loan business development and risk prevention is of certain reference significance,at the same time,in the hope that this article individual housing loan process analysis and improvement ideas to bank individual housing loan inspire business development.