Study On Risk Management Of Housing Mortgage In Branch N Of Bank C

All along,Real estate loans was once considered almost risk-free loan because there are housing as collateral,which was once considered almost risk-free loan.But in recent years,China 's real estate transaction hot,soaring prices,commercial banks are also related to mortgage interest rates under the guidance of the policy,virtually to promote the development of real estate.At the same time,the rapid increase in housing prices to attract more and more investors to buy houses,the number of mortgage loans accounted for more than half of bank loans,which makes part of the market risk and real estate bubble risk to the bank.Therefore,the commercial banks in the current economic situation,the risk of mortgage control must be a new understanding of the new measures to effectively prevent the risk of real estate loans is not only related to the interests of commercial banks,more about the Chinese economy Of the healthy and sustainable development.This paper studies the risk and reason of Bank N branch in housing mortgage loan business,and puts forward the corresponding countermeasures.It is meaningful to the risk management of the bank in the current mortgage situation and can be extended to more commercial banks.Control the current situation under the housing mortgage loans for banks of the potential risks.This paper takes the personal housing loan business of N bank branch of C bank as an example to analyze the problems in the control of mortgage risks of C bank N branch and put forward the corresponding measures to perfect the mortgage of N bank branch of C bank Loan risk control,improve their overall risk control.And through the Bank of the N branch of the risk of housing loans important part of the study,and its current problems are other current commercial banks in the housing mortgage loan risk control of the existence of universal problems,it can be other commercial banks in the housing mortgage loans This paper suggests that Bank N Branch of Bank C should form an inter-bank risk management alliance with other interbank banks to make the risk control of commercial housing mortgage loans to form a uniform standard in the industry.This paper analyzes the causes of the risk of the residential mortgage loan business of N Bank branch of C Bank,and puts forward the latest improvement measures and suggestions for some problems of the N Bank branch of C Bank in the housing mortgage loan business.,Can be more effective in reducing the risk of housing loan business,in the current domestic real estate market hot development and state regulation and coexistence of the situation,there is a certain timeliness and reference.