Research On Risk Management Of Personal Housing Loan In Suzhou A Bank

Since 2015,with the advance of inventory policy and the sustainable development of Suzhou economic,the real estate industry in Suzhou has developed to a certain extent.Therefore,under the leadership of the policy,the personal housing mortgage loan business has continued to develop.In recent years,Suzhou A Bank's personal housing mortgage loans accounted for a growing proportion of total loans,so it is currently in the high incidence stage of personal housing mortgage loan default.It is very important for the healthy development of Suzhou real estate to study how to effectively prevent and control the personal housing loan risk of Suzhou A Bank.Based on the current background of Suzhou and the national macro-control policies,this paper firstly explains the risks and influencing factors of personal housing loans by studying relevant literature theories at home and abroad.Secondly,using the changes of the important indicators of the personal housing loan business of Suzhou A Bank in the past three years,the analysis of the personal housing loan business of Suzhou A Bank led to the current situation of the risk management of personal housing loans of Suzhou A Bank.Finally,based on the actual situation,it points out the problems and causes of the current personal loan risk management of Suzhou A Bank,and proposes countermeasures for the risk management of Suzhou A Bank's personal housing loan.