Research On Risk Management Of Personal Housing Credit Business In Branch A Of HS Bank

With deepening of our country economic restructuring,vigorously promote the people's livelihood project,implement shantytown transformation since 2015,A city housing resettlement policy,stimulate the rapid growth of housing prices,to A certain extent,the whole single-family individual housing credit amount is on the rise,competition is intense,A branch to preempt the personal housing loan business,to A certain extent eased individual housing loan business audit threshold,combined with the internal and external factors,the cause of individual housing loan business default rates rising nearly two years,the personal housing loan business to A branch of risk management has brought serious challenges.The personal housing credit business of A branch includes personal housing loan and second-hand housing loan.In this paper,through collecting A branch loan of individual housing credit business within the time limit and normal class data,analysis and comparison,in 2017,2018 default rate rising,especially A branch in 2018,personal housing loan business bad index evaluation was,to some extent A drag on the development of A branch of the personal credit business,affect the economic profit evaluation.Based on A branch current personal housing loan business development and risk control,through questionnaires,expert consultation and so on carries on the risk identification and risk evaluation,points out that A branch of the personal housing loan business of the current high defective rate,risk measurement borrowers have been determined and cooperation mechanism,internal operation risk and market risk,credit risk,the internal management risk,four types of risk affects A branch of the personal housing loan business asset quality,and based on priority arrangement,put forward the corresponding suggestion,risk prevention measures are proposed from the above four aspects,Such as understanding the borrower's credit risk through Internet channels,strengthening inspection and self-discipline on cooperative institutions,strengthening internal staff's professional ethics education and business knowledge learning,distinguishing the amount of investment of real estate in area A according to the difficulty of realization,establishing supervision mechanism in internal management and implementing reward and punishment mechanism.This paper USES questionnaire method,expert consultation method,case study,quantity method,etc.,according to A research branch of data and the actual situation,through the qualitative indexes,quantitative analysis in detail A branch of the risk of personal housing loan business status and lead to risk factors,through the study of the research of A branch of the actual situation,proposed risk response measures,focusing on A branch of the personal housing credit risk management research were discussed,and finally it is concluded that to achieve A branch of the personal housing loan business to control risk,to reduce the failure rate.