Risk Management Research On Personal Housing Loans

With the rapid development of China's housing system reform caused by the real estate market,banks personal housing loan business has developed rapidly,becoming more and more important in the credit business,but individual housing loans to banks to produce high returns but also brought to the bank risk hidden.The same is true for the postal savings bank of China D branch,at the same time,although the individual housing loan business has developed rapidly,and achieved gratifying results.However,due to the establishment of the bank is shorter than other commercial banks and lack of business experience,the rapid development of the business to the Bank of D has brought a lot of post lending management pressure.So the study of risk management of D branch of the postal savings bank of individual housing loan business is the priority among priorities in this paper,so the author based on the D method of the special branch in a case study is carried out through literature query and related customer data files that cause storage postal savings bank D branch in the individual housing loan business because of its the internal management is not in place and the external macroeconomic environment,intermediary institutions and borrowers default on the uncontrollable lead to the quality of service is not good and thus affect the overall asset quality of D branch.In this regard,the author believes that the D branch in individual housing loan business should not only rely on the macroeconomic environment but also to strengthen their internal management and construction of collateral management to improve agency management and strict control of the borrower into conditions...