Gs Bank Individual Housing Mortgage Loan Business In Sichuan Branch Of Risk And Prevention Analysis

In China, along with the advancement of both the housing system and the reform of the financial system, the real estate market has been develping rapidly; Meanwhile the personal housing mortgage loan business is also growing quickly. However, there are some reasons, for instance, the irregularities of market, the oversight of bank management, the lack of risk management method and so on, which will result in exposure of hidden risks; the non-performing loan ratio of personal housing mortgage loan is gradually rising, and the trend is accelerating. These situations have drawn full attention of banks and academics; they are actively searching for more effective methods of risk management. In order to further standardize development of business and effectively prevent risks, this essay will study the status of Sichuan Branch of ICBC (Industrial and Commercial Bank of China) to research the risk prevention of personal housing mortgage loan. This essay will analyze various risks in detail which are encountered in the process of business; systematically offer approach for risk prevention; supply some advice for researching risk prevention of personal housing mortgage loan. There will be more important and imminent significance for healthily and effectively developing risk prevention of personal housing mortgage loan.Firstly, this essay will briefly outline the basic concept of personal housing mortgage loan; and then illuminate the law relationship referred and the terms of applying loan; meanwhile it will explain the concept and the characteristics of personal housing mortgage loan risk. Secondly, this paper will introduce the status of personal housing mortgage loan in Sichuan Branch of ICBC; summarize the operation processes of business and the achievements; then analyse the problems which were encountered in the period of development; especially propose how to solve the outdated risk management mode and the construction of credit account managers. Thirdly, based on to the status of Sichuan Branch of ICBC, the essay will classify the risks of personal housing mortgage loan, which includes credit risk of borrowers, policy risk, legal risk, market risk, operation risk, "cheating mortgage" risk and special credit risk resulted from 5.12Wenchuan earthquake. At last, in connection with the above various risks, this essay will putforward some suggestions on feasible risk prevention of personal housing mortgage loan; it will be useful for banks to prevent personal housing mortgage loan risk.In the process of researching the risks of personal housing mortgage loan, aiming at showing the harm of risk and the necessity of prevention, this essay relates to the status of Sichuan Branch of ICBC; and applies the method of case study to the serious credit risk and the "cheating mortgage" risk. In addition, in the process of researching the prevention approaches of personal housing mortgage loan risk, the anthor has proposed opinions by himself; for instance, optimum option of mortgage project, improving the margin system, and perfect legal system. In the whole discussion, this essay uses causal arguments and example arguments as additional proof. In summary, these researches will supply effective approaches for preventing personal housing mortgage loan risk.