Research On Optimization Of Risk Management Of Personal Housing Loans In Bank A

As the real estate market in China's first-tier cities is heating up and the financial industry is growing steadily,the development of personal housing loan in commercial Banks has been widely concerned by foreign countries,especially domestic scholars.Under the attack of the mortgage business of state-owned commercial Banks and the mortgage business of joint-stock commercial Banks,the personal housing loan business is more and more difficult to develop new markets,and the business development is facing numerous challenges.In the face of increasingly fierce market competition and severe challenges how to find their own risk management is the key to the steady development of commercial Banks mortgage business.The risk management of bank mortgage business is related to the formulation of business strategy,and if the positioning is not clear,then the development of bank mortgage business is lack of target.A bank as A member of the group of commercial bank,for its mortgage business in risk management is still at the stage of development still exist on the positioning is not clear,not targeted goal market choice of materials,the risk management problems have affected the implementation of the strategic development,marketing activities of the organization,from A long period of time for,poses A threat to the steady development of the next step.In order to solve the above problems,this paper will re-discuss the risk management of the mortgage business of bank A.,according to A bank individual housing loan business of extensive research in the related data collected,and the development of the related theory research,through the analysis of A bank individual housing loan business risk management present situation and existing problems,and puts forward how to strengthen such loans,the optimized plan for the risk management to achieve the purpose of effectively guard against personal housing loan risk.