The Default Risk Management Research Of Personal Housing Loan Of The Baise XX Bank

In recent years, due to the residents’ housing demand, the real estate market has been booming, personal housing mortgage loan has become one of the focuses of commercial bank assets project. As is concomitant with the personal housing loan risk, the risk of default has attracted many attentions of the Banks in the industry. In the business of all kinds of bank loans, individual housing loan business has many easily lead to the nature of the risk of default attributes, including payment cycle is very long, the customer is dispersed more between individual customers, Banks and clients more obvious information asymmetry, and so on.XX bank Baise branch is a large-scale state-owned Banks in Guangxi autonomous region at the heart of the branch. Since 2009, the bank in the personal credit business, especially the personal housing loan business has achieved great development. But considering the impact of the global financial crisis has yet to dissipate, the larger uncertainty existing in Chinese economy, as well as the personal housing loan cycle is long, serious information asymmetry and other characteristics, the bank must pay attention to personal housing mortgage loan default risk problems. In this context, the author of XX bank Baise, personal housing loan default risk management has carried on the quantitative analysis and research, in order to improve the existing default risk management processes, strengthen the key influence factors of induced by default for identification and evaluation, and strengthen post-loan control measures.The author first of XX bank Baise branch introduces the personal housing mortgage business, the existing mortgage default risk management process are analyzed, thinks the bank’s default risk management process has certain problem, the main problem lies in the following aspects:first, the bank’s risk identification and evaluation system is not used by the bank is a set of general recognition and evaluation system, the advantages of this approach is that the efficiency is higher, the disadvantage is the consideration not necessarily consistent with the Baise local real estate loan defaults. The relative importance of different factors and weight need to be optimized, so as to adapt to the specific situation of XX bank Baise branch faces. Second, weak risk control measures.Therefore, this article puts forward the improvement measures is to provide an improved and optimized for local individual mortgage market index evaluation system, to determine the importance of different factors affecting the sorting, and their respective weight, and more accurate to determine if a customer is in line with the bank loans. In this paper, the banking industry in Baise practitioners for evaluating customer default attitude survey, obtain the effective research data. A factor analysis using SPSS, it is concluded that the importance of each factor. According to the result of quantitative analysis, in this paper, the default risk identification process has carried on the corresponding optimization, made a set of customer credit evaluation based on local housing market, and the bank of XX, Baise post-loan risk control measures are proposed.