Research On Risk Control Of Individual Housing Mortgage In The City Of X Rural Credit Cooperative

Commercial Banks is a major role in the operation of the modern economy,the main channel for the circulation of money and the way for the state to conduct macro-economic control.Therefore,the sound development of commercial Banks is of great significance to China's economic development.Since the reform and open policy,our country commercial bank in the aspect of risk control by drawing from international experience has made certain progress,the consciousness of risk control and level has improved.However,due to our country commercial bank has long been in a state-owned property,lack of market competition,and development is not mature in terms of risk control.In our country commercial bank risk control is not perfect under the present situation,through analyzing the current situation of its daily operational risk control,the conclusion is suitable for our country commercial bank risk control measures is of great significance.This article select X city rural credit cooperative association(hereinafter referred to as X city rural credit cooperatives)as the research object,the credit cooperatives control of individual housing mortgage loan business risk research and risk control measures are put forward.Based on consulting a large number of related literature and analysis of relevant business data,on the basis of the first individual housing mortgage loan business of rural credit cooperatives from the X city the present situation of the risk control combing X city,the rural credit cooperatives personal housing mortgage loan risk control measures,summed up the X city rural credit cooperatives individual housing mortgage loan business is business process operation is not standard,the lender reference check is not comprehensive,the problem of employee risk awareness is not strong.Study for X city,the cause of the individual housing mortgage loan risk,rural credit cooperatives in X city,rural credit cooperatives personal housing mortgage loans in nearly five years data as the foundation,the facility branch 615 samples selected as the research foundation,the descriptive analysis on the sample data,then data mining,use SPSS to establish the Logistic regression analysis model of rural credit cooperatives in X city,and the forecasting accuracy and to validate the data model,ROC curve.The author concludes that the factors affecting the mortgage defaults are the cultural degree of the borrower,the stability of the borrower and the household registration of the borrower.Finally,the paper puts forward some improvement measures for the shortcomings of the personal housing mortgage risk control in the city of X.Rural credit cooperatives to improve X city of personal housing mortgage loan risk control system are proposed,at the same time also to our other local commercial bank individual housing mortgage loan risk control system to provide certain reference function.