The Research On Risk Prevention Of Individual Housing Loans Of Longjiang Bank

From the beginning of the last century to reform the housing system, then China’s real estate market continues to grow, but also to promote the rapid development of individual housing loan business. Personal housing loans as an important part of an individual consumer credit, more and more attention each commercial bank, the share of bank credit in the occupied increasing, China’s commercial banks has become a major business lines of credit. However, with the continuous expansion of business, some of the attendant risks, such as credit risk, operational risk is gradually exposed.Heilongjiang Province, the housing market is gradually moving towards standardization, while residents of the ordinary residence has a rigid demand, so the individual housing loan business in Heilongjiang province Longjiang Bank has a broad space for development. But in recent years, Heilongjiang Province, a local bank- Longjiang Bank for a number of local commercial banks of individual housing loan business with a representative of the new non-performing loans have a clear upward trend in the size of the hidden risks continue to be exposed, if not controlled, the risk may be worse. Longjiang Bank, as a bank established only five years of this business is still very weak risk control mechanism, a certain lack of risk management system. As a staff member of Longjiang Bank, I had the honor to participate in the Longjiang Bank of individual housing loans and risk prevention and control work, the paper work with their own experience and choose Longjiang bank individual housing loan business as the research object. Now a lot of relevant literature and the related business data base, focusing on the risks of individual housing loans Longjiang Bank faced, and the risks detailed identification and division, pointed out that the risk of Longjiang bank housing loans to individuals facing degree. Through analysis of their risk factors, targeted search for risk prevention measures, in order to improve the risk management system Longjiang Bank of individual housing loans made several suggestions, as well as to our other local commercial banks personal housing loans risk management system to provide some reference.