Research On Risk Management Of Personal Housing Loan Of Bank Z Xuzhou Branch

The real estate market has experienced a booming period in recent years,Personal housing loans are considered "benign assets" due to their relatively low risk nature,Its scale and revenue contribution are increasing.House prices are rising all the way,Urbanization continues to promote the citizenization of the rural population,The central city of Xuzhou gradually highlights the continuous influx of migrants,which adds risk factors to the personal housing loan business of Bank Z Xuzhou Branch.How to identify risks ahead of time and effective risk aversion,Help Bank Z Xuzhou Branch to improve the quality of personal housing loans,Promote the improvement of bank profitability.The thesis focuses on the personal housing loan business of Bank Z Xuzhou Branch,Combine the characteristics of personal housing loans,Based on personal housing loan risk management theory,Carried out in-depth research on risk management of personal housing loan business of Bank Z Xuzhou Branch.There are three main aspects: A comparative analysis of the current status of personal housing loan business of Bank Z Xuzhou Branch,Comprehensive analysis of the status of risk management.Using empirical analysis to identify the risk influencing factors of personal housing loans of Bank Z Xuzhou Branch,Try to predict the quality of loan by establishing models.Research findings: Random forest method can be an ideal model for bank overdue loan prediction,At the same time,the random forest model can also be used to classify and predict the issuance approval and post loan management.4419 overdue businesses predicted from 41171 stock businesses need more attention.When the bank is facing a mortgage application,Focus on customer's AUM value and loan amount,In addition,banks should fully consider the various aspects of borrowers before reviewing personal loans,More accurate and comprehensive consideration of various factors affecting loan quality,Comprehensive evaluation of customer qualifications,Carefully disburse loans to ensure loan quality.This paper studies the current situation of personal housing loan risk management of bank Z Xuzhou branch,The problems and causes are analyzed,Put forward the optimization strategy of risk management.This has certain guiding significance for the future personal housing loan risk management,At the same time,it can also provide some reference for other banks.The paper has 11 pictures,23 tables,and 82 references.