Research On Risk Of Individual Housing Loan Of Agricultural Bank Of China Changchun Branch

With the development of the national economy,China's real estate industry has developed rapidly.This has not only driven the rapid development of the real estate industry upstream and downstream,but also greatly promoted the development of the banking individual housing loan business.All along,individual housing loan has been regarded as a low-risk loan business by commercial banks in China,and its risk management has been lagging behind the risk management of other loan businesses.However,the occurrence of the international financial crisis in 2008 prompted the Basel Committee to recognize the risks of individual housing loans and to view the business as a high-risk loan.At present our country is in the key stage of industrial structure adjustment,the market policy for real estate is frequently introduced,and the policy of real estate tends to be tightened,which makes the risk of personal housing loan business of commercial banks in China gradually increase.Therefore,the study on the risk of individual housing loan business is of great practical significance to the improvement of the risk control level of commercial bank loans and to the financial stability of our country.Taking Changchun branch of China agricultural bank Co.,Ltd.as the object of analysis and research,this paper studies the risks of its personal housing loan business,finds out the main problems existing in the business,and puts forward corresponding risk prevention and safeguard measures.The full text is divided into five parts: The first part is the introduction,introduces the background and significance of the research,the content and method of the research,summarizes the relevant research status quo,and expounds the theoretical basis involved;The second part introduces the current situation of personal housing loans in the Changchun branch of the Agricultural Bank of China and analyzes the main problems in the management of risk in this business,such as internal system defects,moral risks in the issuance of personal housing loans,and the regulatory management of the real estate industry.And identify the main risks of the personal housing loan business of the branch,such as credit risk,market risk,policy risk,etc.;The third part analyzes the credit risk,market risk,operation risk and policy risk of individual housing loan in Changchun Branch of Agricultural Bank of China.The fourth part,on the basis of the analysis above,gives the measures to prevent and protect the credit risk,market risk,operation risk and policy risk of the personal housing loan business in the Spring Branch.In the end,the research results are summarized.The research results of this paper have a certain theoretical and practical significance.In terms of theoretical significance,the research of this paper is helpful to enrich the research content of credit risk management of individual housing loan business.In practical sense,the research of this paper is helpful to improve the risk management level of personal housing loan of Changchun branch of China Agricultural Bank of China,and then help to reduce the bad rate of personal housing loan of the branch and promote the stable operation of the branch;In addition,the study of this paper for the size of the bank's personal housing financial risk prevention is of reference.