Study On Risk Management Of Personal Housing Loan In Tangshan Branch Of ZD Bank

Since 2008,the real estate market in China has undergone tremendous changes,with the housing prices in various regions continuing to rise,and the competition in related industries has become white-hot.With the continuous increase of national economic income,housing is gradually transformed into the rigid demand of young people,which to some extent increases the capital demand of personal housing loans.At present,all kinds of domestic banking industry will be classified as the top priority of business development,in order to achieve a stable increase in profits.With the government’s regulation of the real estate market for many times in recent years,the personal mortgage business problems of commercial Banks emerge in endlessly,and the related business risks,including potential risks,are further exposed.To this end,many financial institutions began to comprehensively,actively take various measures to control and prevent personal mortgage risk,relevant research is also accelerated.Combined with the personal mortgage situation of Tangshan branch of ZD bank,this paper discusses the possible credit risks of personal mortgage business.Specifically,the main content includes:First of all,this paper elaborates on the background and significance of this research,enumerates the research results on risk control of personal housing loan at home and abroad,and then briefly reviews the research status,illustrating the main content of this paper and the proposed analysis method,which provides a basis for the research on risk management of personal housing loan.This paper introduces in detail the meaning and characteristics of personal housing loan risk in commercial Banks,and provides reference for exploring more practical prevention and control measures.Secondly,the paper focuses on the current situation and problems of human housing loan risk management system of Tangshan branch,and introduces the development status of personal housing loan business of ZD bank and Tangshan branch.From the pre-loan investigation,the existing personal credit score system,the loan collection system,the credit file management system,the supervision,evaluation and inspection,the risk early warning mechanism of six aspects of personal housing loan risk management problems.Thirdly,it analyzes the construction of personal housing loan risk management system in Tangshan branch of ZD bank.Put forward the goal and principle of personal housing loan risk management research,designed the personal housing loan risk rating system for the personal housing loan of Tangshan branch of ZD bank,and conducted a detailed study on the risk control process of personal housing loan,and put forward risk control Suggestions from six aspects.In the end,the author puts forward the safeguard measures to optimize the risk management of personal housing loan from four aspects,including strengthening the construction of loan business team,strengthening the closed-loop management of personal housing loan risk,strengthening the research of macro-economy and market development,and improving the comprehensive management of credit positions.The risk management optimization measures of Tangshan branch provide strong support for the risk management optimization of personal housing loan.