Research On The Risk Of Personal Housing Mortgage Loan Of Bank Of Lanzhou

With the development of China's financial and real estate market,personal housing mortgage loan business grows rapidly.At the same time,the personal housing mortgage loan potential risk problems are gradually exposed.It plays a key role in the development of personal housing mortgage loan of commercial Banks that do the research and control the risk of personal housing mortgage loan.According to the research,this paper takes Lanzhou bank individual housing mortgage loans as the research object,firstly introduced in this paper,the research background,research ideas and research methods,the personal housing mortgage loan related review,summarized the concept and theory,the related research achievements of domestic and foreign experts and scholars.It is concluded the research direction of this article.Then it summarizes the personal housing mortgage loan business of bank of Lanzhou,analyzes the risk status of personal housing mortgage loan,and obtains the problems in the risk of personal housing mortgage loan of bank of Lanzhou.According to the problems sorted out,this paper analyzes the subject-borrower,object-bank,operation mechanism,macro factors and other aspects of personal housing mortgage loan.This paper focuses on the study of the borrower's influence,processes and analyzes the data through statistical analysis and binary logistic regression model.The business process and develope factor analysis is combined with the actual work,analysis,the impact of macro factors,the pressure test.Finally,combined with the risk analysis of bank of Lanzhou personal housing mortgage loan,put forward reasonable measures.At the same time,this paper summarizes the main research conclusions and points out the shortcomings of this paper.Based on the research on the risks of personal housing mortgage loan business of bank of Lanzhou,this paper puts forward some preventive measures to improve the risks of personal housing mortgage loan business,which will bring practical effect to the development of personal housing mortgage loan business in bank of Lanzhou.At the same time,it can provide a certain reference for the risk management of personal housingmortgage loan business of urban commercial Banks in western China.