Research On Risk Prevention Measures For Personal Housing Loan Business Of D Branch Of Industrial And Commercial Bank Of China

As one of the important asset businesses of commercial banks,the personal housing loan business is increasingly favored by commercial banks because of its risk dispersion and stable profit.The personal loan balance of most domestic financial institutions also shows a year-on-year growth trend.For a long time,ICBC D Branch's personal housing loan business indicators ranked among the top in the ICBC Shaanxi branch system and D city peers,but with the rapid development of the D city real estate market in 2017,competition in the same industry market has intensified,and the structure of borrowers has changed.The state has affected the factors such as the strengthening of macro-control policies on real estate,and the quality of personal housing loans of D branches has been seriously threatened.In order to maintain the healthy development of personal housing loan business for a long time,ICBC D Branch needs to further optimize and improve the risk management measures of personal loan business while strengthening marketing,so as to adapt to market demand and industry competition.This paper firstly introduces the basic theory of commercial bank personal housing loan risk and the research status at home and abroad.According to the actual situation of ICBC D branch,it comprehensively analyzes the type of personal housing loan business risk and the status quo of personal housing loan business development.Then it focuses on the problems and causes of the ICBC D branch in the risk management of personal housing loan business,and improve the external environment of personal housing loan risk prevention,improves the overall quality of the account manager team,and optimizes the credit knowledge section of ICBC University.The examination system,adjustment of performance appraisal indicators,strengthening responsibility implementation,optimizing system supervision,implementing post-lending management,classifying and reviewing borrowers,and rational use of borrowers' personal insurance and housing property insurance have put forward targeted preventive measures.Finally,the author hopes that the research of this paper can further enhance the management level of the bank's personal loan business,promote the sustainable development of its personal loan business,and provide certain reference for other commercial banks related majors.