Research On The Risk Management Of Bank Mortgage Loan

The individual housing mortgage loan in China has been regarded as the high-quality assets by banks.With the rapid development of the real estate market,the scale of individual housing mortgage loan in China is expanding,but the amount of non-performing loans is also increasing.Under the pressure of national economic development,there are many uncertainties in the real estate market,and the risks of individual housing mortgage loan are gradually exposed.The risk management on individual housing mortgage loan of Bank A needs to be strengthened.This paper takes Bank A,Gusu Branch as an example.Based on the analysis of the process of housing loan of a bank,this paper deeply analyzes the various risks of individual housing mortgage loan,sums up the causes,and puts forward some suggestions on the risk prevention of personal housing mortgage loan of bank A.Seven chapters are included in this paper.The first chapter is the introduction,which explains the background and significance of the topic,reviews the research results of scholars at home and abroad,and expounds the research methods,ideas and framework.The second chapter is about the concept and related theories,and introduces the related concepts and theoretical basis of the housing mortgage loan risk.The third chapter describes the risks of current housing mortgage business in China,and introduces the main risk points of individual housing mortgage loan in China's banks from the mortgagors,collateral,and other aspects.The fourth chapter is about the current situation and risk management on individual housing mortgage loan of Bank A,Gusu Branch,which is introduced from the situation of the condition,process and the present situation of risk control.Chapter 5 analyzes the reasons.The reason analysis on the mortgage loan risk of Bank A,Gusu Branch is from the aspects of banks,developers,mortgagors,collateral,etc.The sixth chapter is the suggestions on the improvement of individual housing mortgage loan business risk prevention.Based on the analysis of the reasons,this paper puts forward the suggestions and measures of the individual mortgage loan risk management of Bank A,Gusu Branch.The seventh chapter is the conclusion and prospect,which is the summary of this paper.The aim is to improve the risk management level of Gusu Branch,to find a balance in the development and risk control,and to promote the healthy development of individual housing loan business of Bank A,Gusu Branch.