Research On Risk Control Of Personal Finance Of CS Bank

Since 2009,China's property market has changed dramatically,the real estate market has been developing rapidly,and the prices of housing prices have been rising.Because of the rapid development,bank mortgage assets with less risk become indispensable to banks,on the other side,bank credit also leaded to the rapid development of the real estate market.Past experience shows,many commercial banks did not setup a strict risk management system when developing personal mortgage loans,lack of risk management and risk control measures resulted in a series of problems.Since 2016,when our government began to regulate the real estate market,mortgage loan business began to face a lot of problems,even losses.This paper studies the individual housing loan business of CS bank,analyzes the risk control of individual housing loan business types,processes,situations,analyzes the problems existing in the bank,and puts forward appropriate solutions,to improve the CS bank risk control.Due to the similar situations other commercial banks face with the rapid growth of mortgage loan business,the solutions of the paper can be meaningful for them.This paper mainly analyzes three major problems of the risk control in CS bank's individual housing loan business-the asymmetric information risk,operational risk and personal credit risk,and puts forward the solutions to them.