Personal Housing Loan Risk Management Research Of C Bank Yunnan Branch

Since the housing reform in 1998,with the rise of the real estate market,personal housing loan business has experienced a booming 20 years.Personal housing loan with a relatively large amount,good risk control,high profits,commercial Banks become a battleground.By the first half of 2018,the outstanding personal housing loans of 26 listed Banks nationwide reached 20.7 trillion yuan.However,under the new situation,with the continuous growth of personal housing loan business,commercial Banks have frequently exposed various risks.If the causes of personal housing loan risk can be effectively identified and analyzed,it is of great significance to the risk control of commercial Banks,and even to the healthy operation of the real estate market and the whole macro-economy.This paper takes the risk management of personal housing loan business of Yunnan branch of bank C as the research object.First of all,through the quantitative analysis of the specific data of its operation and assets,combined with the existing risk management measures,it summarizes the current situation of the risk management of personal housing loan business of bank C.Secondly,an in-depth study is carried out from the typical risk cases of personal housing loan of bank c.the risks and problems in business development and management are discussed from both internal and external aspects of the bank,and the causes of risks are analyzed.Finally,according to the causes of the risks,corresponding improvement measures for risk management are proposed.Based on the case study of bank C,this paper hopes to find out the root cause of personal housing loan business risk and control the risk.The research of this paper is of great significance to the development of the business of China's commercial Banks,especially the grass-roots branches,and to the improvement of the core competitiveness of commercial Banks.