Research On Risk Management Of Personal Housing Loan Of Helan Branch Of China Construction Bank

With the continuous development and growth of China's economic level,people's yearning for a better life has also been increasing.At this stage,the issue of real estate has become the most concerned topic in people's daily life.In recent years,the real estate market has made rapid development,and personal housing loans closely related to the real estate industry have also been promoted and increased.Personal housing loan business provides considerable profits for commercial banks,but also brings a lot of risks.Facing the complex and changeable economic environment,it is an urgent problem for most commercial banks to effectively identify and prevent the risk of personal housing loan.Therefore,the purpose of this study is to ensure that the Helan Branch of China Construction Bank has a strong competitiveness in the development of personal housing loan business,improve the ability of risk control,and promote the stability and sustainable development of personal housing loan business.Risk analysis of market changes.This paper firstly reviews the main risks and risk management theories faced by the personal housing loan business by consulting a large amount of literature.Secondly,on the basis of theoretical research,the main body of Helan branch of China Construction Bank behavior research,analyzes the development of the personal housing loan business ofHelan branch of China Construction Bank.The status through the analysis of the existing problems,and the variable processing and AHP analytic method for risk measurement,the main impact factors affecting the personal housing loan business,and a detailed analysis of each influencing factor;Qualitative and quantitative analysis,from strengthening risk management system construction,improving assessment mechanism,market-oriented,strengthening forecasting and decision-making ability,strengthening borrowers and strengthening real estate company management to reduce the personal housing loan business of Helan branch of China Construction Bank Risks,through the above measures to ensure that the personal housing loan business of Helan branch of China Construction Bank can be sustainable.