Research On The Risk Control About Housing Mortgage Loan Of Y Bank

Since the housing system reform in 1998,China's real estate industry has developed rapidly.As the main financing support for the development of the real estate industry,the development of housing mortgage loans is appearing a geometric growth trend.On one hand,with the rapid development of personal housing mortgage loan business,the default risk of housing mortgage loan is also increasing.On the other hand,Zhaoqing,as one of the nine key cities in the Guangdong-Hong Kong-Marco Greater Bay Area,has witnessed rapid development of its real estate industry in recent years.Its investment has increased by more than 400% in the past decade,leading to an increasing proportion of housing mortgage loans in local Banks.It is imperative for commercial banks to control the overdue risk of housing mortgage loans.This paper takes the risk control situation of Y bank's housing mortgage loan as the research object,analyzes its current risk control status and existing problems,and proposes countermeasures for its risk control improvement.This paper mainly studies from the following five aspects: First,it states the background of the topic,the research status at home and abroad,the research significance,methods,difficulties and innovations.Secondly,it summarizes the related theory of risk control of commercial bank's housing mortgage loan business.Thirdly,it introduces the current situation of Y Bank's housing mortgage loan business risk control and points out three problems,namely,blind optimism in the real estate market,insufficient information on counterparty,and defects in business system and operation process.Fourth,it analyzes the impact of Y Bank's housing mortgage loan business risk from three aspects of Zhaoqing real estate market factors,borrower factors and Y Bank's own management factors.Finally,aiming at the problems in the risk control of the housing mortgage loan business of bank Y and related influencing factors,it give the improvement suggestions from the aspects of improving the delicacy level of market risk assessment,establishing the customer rating card system,and deepening the loan management of the housing mortgage loan business.