C Bank Personal Housing Loan Risk Management Research

In recent years,with the rapid development of China's real estate market,personal housing loan business has become the key area and key link of commercial bank credit business.China's major financial institutions have been promoting the personal housing loan business,and the growth rate and growth rate of personal housing loan balance have reached a record high year after year,and play an important role in promoting the sustainable operation and development of commercial Banks.But in recent years,with the increasing of Internet financial service level in China,represented by pay treasure to finance,We Chat finance network lending channels innovation emerge in endlessly,this regarding the traditional offline credit business of commercial Banks has a huge negative impact,especially to the health of the individual housing loan business of commercial Banks stable brought unexpected significantly impact the sustainable development,and then derive multiple risk factors for complex day by day.In this background,in order to strengthen the commercial Banks to cope with the effects of the new type of internal and external environmental factors,focusing on personal housing loan risk identification and control,and on the basis of building can help enhance our country commercial bank personal housing loan risk management and internal control management system and modernization of governance ability of coping strategies,has become the most important core of the current work.As early as 2008,bank C started personal housing loan business.In recent years,personal housing loan business has not only become the most core traditional credit business of bank C,but also accounts for an increasing proportion in the overall credit business scale of bank C.However,the rapid growth also brings unpredictable derivative risks.At this time,it is necessary to systematically clarify the personal credit risk factors of bank C,and accordingly build coping strategies conducive to improving the anti-risk capability of bank C's personal housing loan business,so as to promote the healthy,stable and sustainable development of bank C.The core research content of this paper is mainly divided into four aspects: first,the basic theory and the definition of key concepts.This paper focuses on the research status and basic concepts of personal housing loan business and credit risk management,laying a theoretical foundation for the qualitative and quantitative research on the risks of personal housing loan business of C bank.Second,the personal housing loan business and risk status quo of bank C were studied.This paper mainly analyzes the current personal housing loan risk of bank C from three aspects:mortgage risk,operational risk and credit risk,and extracts the risk control problems existing in policy implementation,mortgage realization management and post-loan management.Thirdly,the structural equation model is used to evaluate the current personal housing loan business risks of bank C,in order to clarify the current risk factors that have a significant impact on the personal housing loan business of bank C,so as to provide a basis for the following targeted prevention and control strategies.Fourth,C bank personal housing loan risk prevention and control strategy.On the basis of the research conclusions extracted from the above research,the prevention and control strategies that can resolve the personal housing loan risks of bank C are mainly constructed from the three aspects of mortgage risk,credit risk and operational risk.