Research On The Risk Management Of Individual Housing Loan Of C Bank

The individual housing loan has the characteristics of low risk, a wide range of business, stable operating income. This business is increasingly favored by the major commercial banks in China.2011, the real estate experienced a disastrous year, the introduction of restriction orders, implementation of the credit limit, the entire market ushered in the winter. In2012, with signs of recovery of the real estate market, the bank re-release the backlog of mortgage customers. In the current complex economic situation the article sets C branches of Industrial Bank for example to study how to strengthen risk control of individual housing loans. It is to ensure the healthy and stable development of the personal loan market and take preventive measures.This essay firstly elaborates the research background of its purpose and meaning and a brief introduction of China and abroad on the risks of individual housing loans; secondly elucidates the characteristics and types of the commercial banks operating risks and the basic concept of personal housing loan etc. Then, review the recent years’ development of individual housing loan market; Thirdly, briefly explain the. C Branch the overall circumstances of individual housing loans that leads to the operational difficulties and weaknesses; and finally, this essay based on the above analysis, strongly recommends to reduce the operating risk of personal loan, such as to further study the macroeconomic policy, to differentiate the risk of ready built house and house under construction, to strength internal management, to further improve business operating procedure, to promote product innovation and to upgrade the standard of employees.This study has important guiding significance for C branches to enhance the level of risk management of individual housing loans, improve operational Steady Experience and other financial institutions’ risk control work.