Personal Housing Loan Default Research Report Of A Bank Baoding Branch

In the world scope, personal housing mortgage loans has become the most widely used form of loans, individual housing loans in China’s development time is not long, but in recent years, with the transition of the economic system, the rapid development of industrialization and city, China’s personal consumption loans increased rapidly, of which individual housing loans the biggest proportion.A bank Baoding branch since the onset of the individual housing loan business, personal housing loan amount is a great leap forward, at the same time, default loans also has the rise tendency, makes the individual housing loan risk gradually. Individual housing loan risk is an important risk management process of commercial bank, in all the risks of the commercial bank occupies a very important position, therefore, to maintain personal housing mortgage loan in good yield, has become an important issue currently facing A bank Baoding branch. Therefore, in this paper the author from the development situation of A bank Baoding branch at the present stage of individual housing loan business of Baoding City, combined with the local economic development and the basic situation of Baoding City real estate market, operating norms of A bank Baoding branch individual housing loan borrowers personal basic information and bank lending personnel investigation, try to find the cause the main factors of breach of contract, and to reduce the risk of loans, housing loans to individuals yields keep good design effective solutions, and then put forward the reasonable and scientific suggestions for further improving the A default bank Baoding branch individual housing loans. The article thinks, A bank Baoding branch also need to strengthen staff awareness of risk, to optimize the work of the customer, and establish the credit quality assessment scheme and the implementation of risk management system and other methods to reduce the default risk of individual housing loans.