Research On The Personal Housing Loan Risk Management Of K Branch Of China Construction Bank

Over the past two decades,a leap-forward development of China’s real estate market,real estate financing demand also soared,personal housing loan achieved rapid growth,the excessive growth of house prices also allows people to put more money into the real estate market,loose monetary policy further stimulate the high leverage of money into.For commercial Banks,with higher personal housing loan market share means that can get high profits,so many commercial Banks are the individual mortgage market as a center of gravity of the credit business development and new profit growth point,and this led directly to the personal housing loan market share holdings in the commercial bank financing structure has increased dramatically.In recent years,affected by the epidemic,economic environment and policies,people’s enthusiasm for real estate investment is gradually weakening,and at present,personal housing loans still account for a relatively high proportion in all kinds of assets of banks.Face challenge and transformation in the real estate market today,the personal housing loan risk also rose,with data analysis technology,artificial intelligence and so on the development of information technology,the use of technology can complete assigned to financial,has become the development direction of the financial services industry is the most common,and the application field of the trademark is one of extremely personal housing loan risk management.In the face of the current complex situation and the continuous change of real estate regulation policies,the personal housing loan of China Construction Bank K branch is also faced with the problems of business transformation and development,asset quality decline,and low level of risk management.It is more important to pay attention to and strengthen the risk prevention and control of personal housing loan.This paper analyzes the personal housing loan business situation of K branch of China Construction Bank in recent years,the market proportion,the current situation of the housing market in K region and other aspects,and analyzes the overall scale of the personal housing loan of K branch,the current situation of risk management,the risks currently faced and the causes.And then,according to the characteristics and the regional data,the use of mind maps,flow chart,all kinds of charts,through literature research,comparative analysis,case analysis and the methods of investigation and study,carried out the study of the personal housing loan risk management,to show the status quo,describe the problem,analyzing the reason,we will improve the mechanism of K branch of the personal housing loan risk management.Finally,this paper compares the comprehensive risk management theory,from the internal control environment,risk identification,risk management to build a comprehensive personal credit evaluation system and intelligent control system,perfect the risk control measures,strengthen the information and communication,strengthen internal supervision and inspection,etc,to the K branch of the personal housing loan risk management work to provide the corresponding optimization countermeasures.Main contribution to the research of this article is to enhance the construction of the bank K branch of personal housing loan risk control effect,thus to improve their ability of operation and management,and explore the use of a wide range of data collection and integration analysis technology to build a full range of risk assessment and risk control system,and improve their management level,It helps K Branch to comprehensively improve its market competitiveness in the field of personal housing loans,and also provides a complete analysis framework for the industry in the risk management of personal housing loans.