Research On Risk Management Of Personal Mortgage In Bank

S Bank after from 2009 to 2013 the high-speed development stage, in total assets, deposits and loans and profitability index has become domestic firms in the city ranked ahead of medium-sized commercial banks. But behind the rapid development, problems have gradually surfaced, the matching problem in high-speed growing asset size and the level of risk management, in personal loans risk gradually exposed, the NPL ratio and volume continued to increase, with the balance of personal loans exceeded 500 billion yuan, extensive risk management mode can no longer meet the needs of s bank personal loans business needs. Therefore, it is necessary to for research to find the crux of the problem and resolved.Through the enterprise diagnosis theory with practice, through a combination of a large number of real data analysis and examples, s bank personal loans risk management present situation analysis, found that the lack of the risk management. Examines the characteristics of personal loans in the angle of the head office, grasp the overall risk areas and analyzed, avoid to start from the grassroots research on risk management of narrow eyes single angle problem. Through access to domestic and international risk management theory and classical literature and the advanced experience of the research of advanced industry, access to s Bank of existing policies and measures for the management of documents, interview client manager and manager approval and business personnel. Starting from the credit risk and operational risk point of view, formulation of s bank personal loans project access, marketing risk guidelines, top-level risk management structure, collateral registration and management, risk mitigation approach, post loan management, staff appraisal and accountability aspects analysis diagnosis, and put forward the pertinence and operation optimization is proposed.Through the s bank personal loans risk management status analysis and diagnosis, combined with current business, the actual operation of the feasibility, to develop the s Bank Personal Loans Risk Management Countermeasures:to adopt the quantitative index method for personal loans project access, for different types of housing projects of fixed differential alienation credit scheme; formulate a set for different types of loans personal loans business risk guidelines for business marketing; cognizance process, the examination and approval regulation, post loan management and other aspects were made up and corrected on the bank s risk management organizational structure, the approval process, mortgage registration, risk mitigation innovation, responsibility. Through the optimization of the above measures, to achieve the level of risk management and business development scale matching, better management of personal mortgage business risk.S bank is our country is a typical combined city restructuring firm, more extensive personal loans risk management, risk management system construction is not perfect, personal loans business start-up time is short have not experienced a complete economic cycle, for personal loans risk awareness is not deep enough, operational risk is easy to be ignored, according to s bank personal loans risk management research, put forward to have the certain operational solutions. For the same type of city commercial banks risk management work has certain practical value.