BH Bank Tianjin Branch Personal Housing Loan Risk Management Research

Since the 20th century,China's economy has been developing rapidly and the banking financial services system has been gradually completed and perfected.In order to maximize the wealth well,people start to pay more and more attention to capital investment,and inclined to obtain a loan from Banks to increase their own base capital.However,the risk management system about personal loan business is not mature in our country commercial bank,and there is no complete and independent system to recognize and identify the risks,which will brings great hidden trouble for the future development of commercial Banks.Therefore,it is of great practical significance for personal real estate loans business of commercial Banks to improve and perfect the existing risk management system.The thesis analyzes and researches into personal real estate loans business in the Tianjin Branch Of BH bank in order to deeply study and discuss problems in personal real estate loans business from the point to plane.What's more,it parses and highlights the adverse effect brought by the lack of risk management in personal real estate loans business,and put forward targeted suggestions,which can be referential to personal real estate loans business further development of commercial Banks in our country.Firstly,the thesis summarizes the theories of personal real estate loans business at home and abroad,and draws positive and effective viewpoints and suggestions from the theories.Secondly,makes a preliminary estimate of personal real estate loans business present situation in the Tianjin Branch Of BH bank and analyze the internal and external factors.Finally,it does a in-depth analysis of the existing problems in the management and puts forward the countermeasures and solutions according to the existing problems,to promote the personal real estate loans business in the Tianjin Branch Of BH bank to expand and improve.