The Study On The Problems And Countermeasures Of Individual Housing Loan Business Of Bank Of China Of ZL Branch

National People's Congress and Chinese People's Political Consultative Conference NPC and CPPCC has been ended in 2017,digesting inventory is a key part of the government work this year,and this is inseparable from personal housing credit business support of the commercial bank.Individual housing credit is the core part of the traditional credit business of Banks,therefore,commercial Banks are also putting the development of personal housing loan into the key work of the current credit structure adjustment.In this environment,taking into account of the broad development prospects of the personal housing credit business,this paper studied the development problems of commercial Banks' personal housing credit business,risk management,risk prevention and so on.This paper has high research value and practical significance for promoting the rational and healthy development of commercial bank's personal housing credit business,improving the innovation ability and competitive advantage of commercial Banks.This paper is based on the basic theory of personal housing credit business of Commercial Banks and the successful experiences from domestic and overseas.It firstly introduced the topic sources,research purpose and the significance of this paper.After that,it studied the case of personal housing credit business of ZL branch of bank of China.Then,it analyzed of the current situation of the bank's business development to find out the problems existing in business development and risk prevention from the current situation of structure of the organization,personnel structure and business development,then summarized the reasons of the problems,it is mainly from five aspects: coordinated development,innovation and improvement of marketing strategy,improvement of incentive and performance evaluation mechanism optimization of examination and approval process and perfect risk management system in order to put forward constructive suggestions and solutions to its business development to achieve the healthy development of personal housing credit business of ZL branch of bank of China.