Commercial Banks X Branch Mortgage Risk Analysis And Countermeasures

Along with the national housing system reform of promoting and financial reform deepens, our country commercial bank will gradually make the common housing loan business development as a new profit growth point. But the process of development and is not straightforward, but problems, especially in recent years the rapid development of the housing loans to the high risk in the rooms. Will tell to commercial Banks, to identify, transfer, control, management risk is to guarantee the housing loan of housing loan business healthy development, realize the basic requirement of the bank profits, is also the important task before them.Risk management is one of the core of commercial bank management. This paper in the actual work X enterprise in the course of several major risk: credit risk, market risk and operational risk, liquidity risk four aspects, firstly, the paper analyses each risk pressure test methods to analyze the current X enterprise credit risk and market risk, the current situation and existing problems, and combined with DuoNian work experience in the operation process and put forward the liquidity risk of existing main problems. To solve the problem and the successful experience of at home and abroad, puts forward the pressure test technology, perfect the internal control system step by step DuoGe Angle to enhance our country commercial bank's personal housing loan risk management level, reduce and dissolve the individual housing loan risk.Based on the above analysis, the article put forward the ascension X enterprise housing loan risk management policy recommendations: one is to build credit evaluation system, improve the quality of the loans; 2 it is to the interest rate risk analysis on is mainly for the enterprise inside the watch X business; Three is gradually perfect the internal control system, and pay attention to strengthen internal control system, and strengthen the connection between the regulatory policy research; Four is the whole process reengineering risk management process, the design and implementation of the front desk effective competition, backstage security powerful new business management mode.China's financial industry opening period has increasingly close. As a commercial bank, should be aimed at their own housing loan business risk management problems, from the perfect credit risk pressure test system, perfecting the risk management system, perfect the internal control system and business operation flow of positive, improved, in response to challenge from all sides.