Study On The Operation Risk Management Of Personal Housing Loan Of Bank Of Communications H Branch

Housing is one of the basic needs of residents' lives.However,in just over a decade,house prices have increased tenfold.The rise in housing prices is beneficial to the development of commercial housing personal housing loan business.Personal housing loans have the characteristics of low capital occupation,low risk weight and high economic capital return rate.Their share of business in the various loans of commercial banks continues to increase.It has become an important profit growth point for commercial banks.In recent years,due to the slowdown in economic growth and the regulation of real estate policies,small and medium-sized development enterprises have gradually been eliminated in the fierce market competition.In some areas,there are still large destocking pressures,some projects are not well sold,and funds are slowly returned.The developer has a tight capital chain,which has led to work stoppages and slow construction.Some even run or declare bankruptcy,causing the project to be unsuccessful and the banks face large losses.How to effectively prevent and resolve the risk of personal housing loan business and achieve sustainable development is a problem that commercial banks need to pay attention to and solve.Among them,operational risk management is an important aspect of risk management of personal housing loan business.This paper takes the personal housing loan business of Bank of Communications H Branch as an example.Based on the theory of operational risk management,this paper analyzes the problems existing in operational risk management by combing the business process and management status of Bank of Communications H Branch's personal housing loan,and combines relevant typical cases.,put forward some rationalization suggestions.The specific paper structure is as follows:The introduction part mainly discusses the background of the topic,the purpose and significance of the research,the research ideas and research content,as well as possible innovations and deficiencies;The literature review section reviews the relevant research on the risk of personal housing loan operations by collecting and collating relevant literature;Based on the current status of the risk management of personal housing loan operation of Bank of Communications Bank H Branch,the development status of the personal housing loan business of Bank of Communications H Branch is introduced,and the relevant business processes are sorted out,and the operations of pre-credit,loan,and post-loan for individual housing loans are described.The current situation of risk management is analyzed,and the problems in the risk management of personal housing loan operation of Bank of Communications H Branch are put forward;The case study gives a typical case of personal housing loan operation risk,specifically analyzing the problem and proposing relevant improvement measures;Bank of Communications H Branch's optimization proposal for personal housing loan operation risk management pointed out that the pre-lending preferred cooperation institutions,strengthening the down payment review,and implementing the pre-lending investigation;paying attention to the personal credit record,optimizing the review and approval mode,and strengthening the lending management;Strengthen the management of warrants,strengthen the management and control of asset quality,and implement post-loan visits.