Research On Risk Control Of Housing Loan In Bengbu Rural Commercial Bank

Bengbu Rural Commercial Bank was established on September 26,2012.It is the only first-level legal person banking institution in Bengbu.Since the second half of 2018,Bengbu Rural Commercial Bank has started to develop personal related housing mortgage loans as a new profit point.In recent years,in order to control the housing prices,government has been implementing a loan tightening strategy for the real estate industry.In 2019,the tightening of various bank mortgage loans is still the norm.Under this background,the commercial bank mortgage loan business has shrunk significantly.Some developers have problems such as capital chain breakage,liquidation and bankruptcy,and the inability of houses to be delivered on time.The rights of buyers can not be effectively guaranteed,which further leads to problems in the quality of credit assets in the banking industry.How to control the quality of the bank's housing consumption assets in this environment has become a top priority.Therefore,it is of great significance to strengthen the research on the issuance of housing loans by commercial banks to ensure that commercial banks avoid the risk of credit.The quality of a commercial bank's loan can be said to be the foundation of a bank.This paper takes the Bengbu Rural Commercial Bank as the research object.Firstly,it provides the theoretical basis for the study of the relevant theoretical literature on the quality control of domestic and foreign housing loans,and proves through relevant cases.Secondly,based on the actual work data of the current Bengbu Commercial Bank,the model is established,and the development of housing loans of rural commercial banks since the second half of 2018 is deeply analyzed.Through the research and analysis of a series of loan processes such as pre-lending,lending,and post-loan,the emphasis is on Study the risk points of relevant links,analyze their own advantages and shortcomings;Thirdly analyze according to actual cases,summarize the credit risks encountered in actual work,and draw a series of conclusions such as strengthening customer access and improving risk prevention.Provide a factual basis for the next credit risk prevention.Finally,based on the current market environment and relevant theoretical literature,it is discussed how to control the quality of the bank loans of the Bengbu Commercial Bank.By analyzing the bank's current organizational structure,system guarantee,talent reserve and other factors to propose optimization measures and recommendations,the Bengbu Commercial Bank will focus on strengthening the risk assessment system,improve dynamic risk warning,strengthen system support,etc.,and further improve their ability to resist risks.