Risk Analysis Of China’s Personal Housing Mortgage Loan Debtor

With the increase in the size of real estate loans,especially the increase in the size of personal housing mortgage loans,mortgage default risk has also increased.The risk of default includes the loss of the value of the collateral,the debtor’s risk,and the risk of falling house prices.Among them,the debtor’s risk mainly refers to the credit risk related to the debtor of the mortgage loan.This type of risk has a certain degree of controllability,but at the same time the source of risk is also more complex,especially in the case of unstable house prices,shrinking assets,and fluctuations in the debtor’s income level.The risk of default of the debtor increases with it,which brings a lot of pressure on the bank to guard against the risk of mortgage.The risk of individual mortgage mortgage debtor can include four sources,namely credit risk source,identity information risk source,household assets and liabilities risk source,default cost risk source.The four sources of risk are the focus of the bank’s customer manager’s identification of the debtor’s risk.In terms of specific risk identification measures,the measures that can be adopted around the above four risk sources include data approval,door examination,investigation visits,account tracking,risk warning,and judicial intervention.When dealing with the risk problem between the mortgage customer manager and the customer,we must adhere to strict operating standards,start from the customer relationship,in-depth investigation,strict protection against death,to ensure that the risk is minimized;We should also pay attention to making friends with our customers and providing them with good services.Even if it is a risk review,we must also follow a good service attitude and reduce the burden on our customers and obtain their understanding and approval.To lay the foundation for closer cooperation in the future.This article takes the case of JS Bank’s customer manager’s approval in the case of the false mortgage of the ALSS Real Estate Development Corporation as a case,and illustrates the role that the customer manager needs to play in the debtor’s risk prevention through vivid examples.The final result of the case study shows that the problem of the customer manager in the risk prevention of the mortgage debtor is mainly the insufficient performance of his duties,especially the lack of investigation and tracking functions,and also exposed the lack of the bank’s system of risk prevention for the mortgage debtor.As well as the functions of the customer manager post,there are problems such as insufficient evaluation,rewards and punishment systems.In this paper,three suggestions are put forward,namely,improving the debtor risk identification mechanism,optimizing the customer manager’s system to guard against the risk of the mortgage debtor,and improving the incentive and restraint mechanism for the customer manager to guard against the risk of the mortgage debtor.