China Merchants Bank's Individual Housing Loan Risk Control

In recent years, as Chinese rapid growth in individual housing loans, the risk is also growing. New awareness of the risk of individual housing loan problems would be beneficial to commercial banks to further enhance the awareness of prevention, to reduce and prevent the risk of personal loans taken place to live. Recalling the Chinese real estate market economy 10 years into the development process has gone through a backlog that failed to materialize, such as speculation, market transactions have taken place in the larger changes in real estate has entered a buyer's market, but because the entire credit market problems, such as Government departments do not regulate the operation of the developers of malicious deception, the rules of the game is far from perfect, owners of the credit market's lack of awareness and other reasons, and now the risk of real estate issues become more and more, the risk of individual housing loans is the first to be affected. In this paper, based on the individual housing loan process and risk control theory Review, and for China's commercial banks - China Merchants Bank's housing loans to individuals with characteristics of the process, a systematic analysis of China Merchants Bank individual housing loans of the existing processes and individual housing loans of foreign-to-date operating processes Gap.Second, by choosing a representative case, the China Merchants Bank individual housing loans of the existing processes to operate in the reality of reasons, the existence of the substance of the issue and its root causes, such as links to conduct risk analysis, pointing out that the current operation Merchants Bank flow problems, from the control Risk point of view, the loan process on the need for risk prevention.Finally, China Merchants Bank for the existing housing loans to individuals with business process problems, from the bank to start operation Merchants Bank to explore the individual housing loan risks, and can be improved to rationalize and proposed countermeasures. To adopt the policy document analysis, operation risk analysis, China Merchants Bank situation customer overdue loans, overdue and improper operation of the relationship between customers, other banks with the comparison As well as prevention measures in order to reduce the risk of overdue customer response and so on, so that the final housing loan risk control.