Research On Risk Management Of Housing Loan Business Of Loan-aid Enterprises

“Helping loans” institutions to build the entrance of the flow scene and master the mainstream customer acquisition channels through technological and financial means,and provide intermediary services such as customer signature loan verification and postloan supervision for licensed financial institutions such as commercial Banks trust consumer finance companies.The model of “Helping loans” can effectively reduce the asymmetry of market information,and has positive significance in promoting the development of inclusive finance and establishing multi-level financial market.“Helping loans” position is to direct the users generated in the consumption scenario to the licensed financial institutions,and the financial institutions make independent decisions to review the standards.As most small and medium-sized financial institutions lack advanced risk pricing ability and professional post-loan management staff,the cooperation between lending institutions and financial institutions gradually develops towards the direction of risk sharing.Regulators for banking financial institutions to cooperate with the third party platform credit business has introduced many measures,requirements in help loan mode,financial institutions should independently completed including loan credit risk control and collection of the receivable business processes,such as can not accept no qualification of the risk of financial services to provide agency business,to prevent because of unreasonable risk sharing credit crisis triggered by the financial system.Through literature research method,theoretical analysis method and case analysis method,On the basis of the Helping loans model,a new transaction structure was constructed by introducing the non-performing asset disposal fund,and the risk was tested with the sample data.With the introduction of bad assets disposal of the funds to build risk isolation mechanism,to improve the structure of the deal after testing and sample data to check transaction risk model and meet the disposal cost priority level money after bad money market requirements on the basis of the cash flow forecast,find house price volatility and the relationship between the real mortgage rates,which confirm the trade structure,the feasibility of increasing the number of bad assets disposal in the fund.Based on the organizational structure,operation process and market influencing factors of R company,combined with the current research on the Helping loans model and the risk analysis method of the mortgage business,this paper conducted research on the construction of the compliance transaction structure and the establishment of standardized risk control model.First,on the basis of the realistic background and literature review,from the business process product element transaction structure and other risk dimensions of analysis,it is found that R company in the process of loan assistance cooperation with licensed financial institutions in the risk of providing false guarantee.Then,from the housing mortgage loan business compliance management to strengthen the perspective of business system integration ability,put forward ideas to improve the Helping loans model structure,building a successful exit from mortgage assets formation to the funds of the innovation business chain,by increasing the number of bad assets disposal link in loan disposal of funds to complete the overdue loans to Banks by half a buyout and detachment,to achieve real transfer of non-performing bank assets and effectively alleviate the pressure of the R company liquidity risk.