Research On The Credit Risk Management Of Commercial Bank Housing Finance

With the continuous advancement of my country’s economic system reform and opening to the outside world in recent years,my country’s process of urbanization has also become more perfect.However,my country’s channels for residential assets and investment,financing and financing are relatively narrow,and real estate investment,financing and financing has gradually become satisfying for Chinese residents.Affordable housing and social life functions need to be a major way to maintain and improve the assets and social value of our residents at the same time.With the rapid development of the real estate field and financial service industry,the personal housing loan business opened by major commercial banks in my country has also shown an accelerated growth trend,and the loan amount has also increased significantly.Although the government has formulated and promulgated many preferential policies on regulating the housing market,suppressing excessive fluctuations and rises in housing prices,and ensuring the safe,stable and healthy development of my country’s real estate and financial markets,the personal housing mortgage loan business opened by commercial banks still exists.There are many potential risks,and these risks have severely restricted the healthy development of the current personal housing mortgage loan business in China.Although this potential possibility can only be transformed into a real loss under certain conditions,relevant risk prevention and control measures should become the core of the commercial bank’s asset management business operations.Take branch A of a bank as an example.As a county branch,the current personal housing mortgage loan has reached 6 billion yuan,of which the balance of non-performing loans is more than 28 million,and the overdue loans are more than 75 million.Various problems in the bank’s personal housing loan business have gradually begun to show up along with the continuous expansion of the loan scale!For example,in the personal housing loan business,the borrower cannot make ends meet,the asset-liability ratio is insolvent,and the family has changed.These issues have attracted enough attention from the sub-branch because they have seriously affected the safety and healthy development of the credit business of the sub-branch.This will prompt each branch to continuously enhance its credit business management!Avoid and control as much as possible various risks that may exist in the process of real estate credit business.This article is based on the perspective of how to avoid real estate credit risk in a bank A branch,and proposes an overall framework for the risk management system of a commercial bank!Through the analysis of various internal and external conditions faced by borrowers and various risk issues that commercial banks may face in practice,and put forward their own ideas and ideas for specific real estate credit risk management methods! Hope for prevention!The real estate commercial bank’s housing finance credit business risk assistance.