The COSO Framework With ZN Financial Firms Of Individual Housing Loan Business Risk Control Research

In recent years,with the development of economy,China's real estate industry have a rapid development,and gradually increase the proportion of mortgage loan of,its corresponding financial risk is increasing.And as the real estate regulation policy,and bring new risk mortgage.And as the national house prices fall,the credit risk control of the industry put forward higher requirements.Due to mortgage business in China started late,the risk control level has reached a consensus in the industry and academia.With recent financial companies as a non-traditional financial institutions,and its development for a long time,but now for risk control remains to be strengthened,through to the recent financial company's personal housing loan risk control research,put forward has certain operability solution,for the relevant work of the same kind of company has a certain practical value.In this article,through analyzing enterprise diagnosis,using the method of theory with practice,combining with the real data and case analysis,analysis of individual mortgage risk situation,with recent financial firms found the shortage of the current.From the viewpoint of the recent financial company headquarters,the characteristics of the individual housing loan business to grasp the overall risk link and carries on the analysis,avoid starting from the grassroots research risk management eyes narrow Angle of a single problem.Through the classic risk management theory and literature at home and abroad research advanced counterparts in the advanced experience,read the recent financial company's existing risk control policy and cantaloup files,and the questionnaire survey to practitioners.Credit risk,operational risk,risk of mortgage property,analysis of its recent financial firms access to personal loans and so on various aspects analysis diagnosis,and put forward the targeted and operational solutions.