Risk Management Of Personal Housing Loan In Bank Of China Shenyang H Sub-branch

With the rapid development of the real estate market,the rise of the housing price and the increasing demand of people to purchase houses,the scale of individual housing loan business of commercial banks is continuously expanding.As a mature form of consumer credit,personal housing loans have the characteristics of large loan amount,long term and high income,which can bring continuous and stable returns to commercial banks.However,the majority of individual housing loans have a similar lending model,which will lead to a relative concentration of risks and become a potential hazard on the business development path.The personal housing loan business of Shenyang H Sub-branch of the Bank of China accounts for a relatively high proportion of the total assets business.Although it can bring continuous revenue to the sub-branch,with the continuous expansion of the personal housing loan business,the risk management of H Sub-branch will also face more challenges.Especially in recent years,although the amount and balance of individual housing loans have increased to a large extent,at the same time,the Bank of China Shenyang H Sub-branch has gradually exposed the problems of unfavorable risk management and increasing non-performing loans,which indicates that its risk management mechanism still needs to be improved.Based on above matters,this paper takes the personal housing loan business of H sub-branch as the research object,explores the problems existing in the risk management of personal housing loan business of H sub-branch,and puts forward the optimization measures of personal housing loan risk management of H sub-branch by referring to the theoretical research and investigation and analysis of personal housing loan risk management at home and abroad.The specific process is as follows:First of all,in the fourth chapter,combined with work experience,using the methods of questionnaire survey,literature analysis and expert analysis to conduct research,identifying the risks of personal housing loan business of Shenyang H Sub-branch of the Bank of China from the pre-loan stage,the middle-loan stage and the post-loan stage,and listing the detailed risk identification list;Then,in the fifth chapter,the importance degree of each identified risk factor is evaluated by using the analytic hierarchy process(AHP),and the weight is calculated.It is found that the information authenticity risk,credit risk and operation risk have the greatest impact on the personal housing loan business of H sub-branch;Then the fuzzy evaluation method is used to calculate that the current personal housing loan risk of H sub-branch is average,which needs to be kept vigilant and has room for improvement and promotion.Finally,in the sixth chapter,according to the assessment results,risk countermeasures are proposed for Shenyang H Sub-branch of Bank of China from three aspects:information authenticity risk,credit risk and operational risk,to help it improve the risk management mechanism of personal housing loan business and ensure its continuous and steady development.