Risk Analysis And Prevention Of Personal Housing Loans In Bank A And N Branch

China has the largest population in the world.Since ancient times,"establishing a family" has been one of the main concepts in traditional Chinese culture and is an important indicator that Chinese people measure their own successes.Therefore,the housing problem has been a social phenomenon in China since ancient times.The problem of importance.Since the reform and opening up,along with the prosperity and development of the real estate market,individual housing credit business has also achieved leap-forward progress,becoming the most important financing model in the real estate market.Taking the personal housing credit business of Bank A as an example,by the end of 2016,the balance of personal housing loans of Bank A reached 1.55 trillion yuan,an increase of 258.7 billion yuan for the whole year,and the growth rate reached 20%,fully demonstrating China's individual housing credit.Strong business vitality.However,in recent years,as China's economy has gradually entered a new normal,economic growth has gradually declined,and macro-control policies have come one after another.China's real estate market has entered a period of adjustment,and personal housing credit business risks have gradually begun to show.By the end of 2016,the outstanding balance of personal bank loan business of Bank A had reached 4.98 billion yuan,an increase of 1.193 billion yuan compared with the end of the previous year,which represented an increase of 31.5%,while the proportion of bad loans increased by 0.03 percentage point from the end of the previous year.It can be seen that commercial banks cannot simply regard personal residential mortgage loans as the best credit assets with the lowest risk.Therefore,it is of great significance to deeply study the risk management of individual housing loans.Under the above background,the paper comprehensively adopts various analytical methods and refers to various documents,combines various theories,and examines various types of cases in accordance with the ideas of "problem-analysis problem-solving problems".The combination of theory and practice is selected.Bank A of Bank A is the main research body and takes individual housing loan risk management as the research object.By reviewing the history of personal bank loan business development in A bank N branch in recent years,it analyzes various types of non-performing loan cases and concludes that the bank is in the mortgage business.In risk management,there are still problems such as the formalization of pre-loan investigation,rigorous credit approval,and neglect of post-lending management.The analysis of the causes of personal housing loans from external factors and internal factors includes external factors including:economic problems and family problems.,business problems,and the borrower's willingness to repay the loan;internal factors mainly include:poor access to customers,lack of anti-counterfeit treatment,ignorance of borrowers and their household debt status,post-loan management flow,and Non-performing loan risk remedy lags etc.Based on the analysis of the causes,the paper discusses the countermeasures for the prevention and control of personal housing loan risks.The main framework consists of three aspects:internal risk management,external risk management,and supporting and safeguarding measures.This article takes the personal housing loan risk management of Bank A branch N as the research object,and comprehensively adopts methods such as document analysis method,system analysis method,and case analysis method to conduct in-depth research on the risk management of individual housing loan business under the jurisdiction of the bank.At the same time,it proposes a risk-prevention strategy with certain pertinence and operability,which has certain practical and guiding significance for the sound management of Bank A's branches.