The Study Of Personal Housing Loan Risk Management Of Y Bank D Branch

As the reform of urban housing system has been pushed forward since 1990 s,thedomestic personal housing loan business flourished rapidly.With more than 20 years' development,the risks lying behind all these prosperity begin to reveal.Meanwhile,the main factors which impact the business risks are altering all the time especially under current domestic economic environment which is called "three phases of superposition".Therefore,it is imperative to initiate the study of risk management in order to enrich the systems of the loan risk prevention and control.As the first branch opened in northeast China,Y Bank D branch deals with the largest volume of personal housing loan business in the Northeast.Since 2006 in which year Y Bank D branch started up the business which has gone through a period of rapid growth and currently becomes a traditional as well as the largest part of retail loan business.However,the rapid growth has brought us increasingly complex risk management trend,so it is necessary to improve the risk management capabilities and establish a more comprehensive risk management system of Y Bank D branch in order to realize better accomplishments of the business and deal with all aspects of risks.The research object of this paper is personal housing loan business of Y Bank D branch,and the theoretical basis include asymmetric information theory,default risk option theory,rational default theory,forced default theory and loan value ratio theory,etc.Methods adopted include Qualitative and Quantitative Analysis,and the study begins with the current development status and risk management status of the business of Y Bank D branch.This paper analyzes the risks and existing problems of the business from the aspects of borrowers,developers,employees' morality,market environment and policy environment.With all personal housing loan involved in bad dept stated as samples,this paper clarifies the impacts of different risk factors on the personal housing loan and analyzes the risk factors from three aspects of characteristics related to borrowers,loan and mortgaged real estate.On account of the existing risks that Y Bank D branch is now facing,this paper puts forward specific suggestions,provides the branch with a relatively enriched risk management system as well as significant reference for the health and steady development of the business.