Research On Risk Personal Housing Loan Business Management Of Rural Commercial Bank JN Branch

Bank of Agribusiness JN is approved by the China banking regulatory commission,on the basis of the originalJNRural Cooperative Bank,to set up a new way of merging founded joint-stock commercial Banks.Due toBank of Agribusiness JN development is shorter,inexperience,housing credit risk control ability is not strong,their guard against the risk ability is weaker,appeared a lot of defaults and bad situation,the influence on enterprise benefits,risk control of individual housing loan business is becoming more and more important.In this background,based on relevant theories of risk management.This article first Bank of Agribusiness JN individual housing loan business can be divided into beforehand investigation stage,before the credit business is dealt with,post-loan tracking and business analyses respectively,points out that risk factors existing in the business process;Secondly,using the analytic hierarchy process(ahp)to construct the risk factor analysis model,analysis the risk factor proportion size,followed by a sorting,determine their low level of credit management,internal control system of chaos and the borrowers as the debtor is poor repayment willingness to Bank of Agribusiness JN non-performing loan risk of the main influence factors.According to these risk factors,in combination with the practical situation of Jacqueline Nottingham agri-businesses Banks,in line with the principle of caution,the principle of dynamic adjustment,with responsibility principle,put forward to strengthen credit before the review and process supervision,establishing personal credit evaluation standard,strengthen the regulation of business operation process,improve the guarantee mechanism,to carry out the post-loan management and so on a series of measures,engaged in the former,three approaches to prevent business risks.To ensure the smooth implementation of risk control measures,and made the strengthen internal infrastructure,improve the capital supervision system,advancing the risk management culture,strengthen the interest rate risk management,and other security measures.To Bank of Agribusiness JN individual housing loan business first,analyzing the whole process of looking for the key risk factors and analyzes,and formulate the corresponding improvement measures,for the long-term development of enterprises to provide a guarantee.reform of the personal mortgage risk management is more extensive,the imperfection of the construction of risk management system,individual mortgage business start time is shorter,have yet to complete the economic cycle,the individual mortgage risk awareness is not enough in-depth,operation risk neglected,by Jacqueline Nottingham rural bank personal mortgage risk management research,put forward the operable solution,to guard against Jacqueline Nottingham agri-businesses bank personal mortgage business risk has a realistic significance.At the same time,the same kind of city commercial Banks in China also provide certain reference significance.