Research On Tracking Audit And Evaluation Of Commercial Bank's Current Housing Loan Policy

Since the implementation of the "bid invitation,auction and listing" system for commercial land,the realty industry has witnessed a rapid development of the golden fifteen years.As an important growth point of China's economy,Real estate not only plays a huge role in promoting GDP growth,improving people's lives,promoting the process of urbanization,but also promoting the common development of upstream and downstream industries.But at the same time,the growth rate of real estate investment is too high,the sales prices of commercial housing and residential housing are rising year by year,and the rising rate is accelerating year by year.This development trend has aroused great concern in all aspects of our country.The government regards stabilizing housing prices as an important part of strengthening and improving macro-control,and has issued a series of macro-economic policies and control measures.After the Nineteenth National Congress of the CPC,according to the status of "houses are used for living,not for speculation",the People's Bank of China proposed "prudent real estate credit policy",the core of which is to implement differentiated housing credit policy according to the city.However,due to various subjective and objective reasons,in the actual implementation process,the housing loan policy has not been effectively implemented by commercial banks,resulting in the role of housing loan policy has not been effectively played.Policy implementation is the key link to realize government functions.The effect of policy implementation is directly related to economic development,political stability and social progress.Policy follow-up audit is an audit analysis and evaluation activity around the policy measures,implementation results and implementation of Policy Rectification.It is an important means to maintain the orderly,healthy and stable development of the national economy.Therefore,this paper takes the implementation of the housing loan policy of Bank A as the audit evaluation object,constructs the system of housing loan policy Audit evaluation index and determine the weight of each index,based on the current housing loan policy and implementation status.Finally,this paper uses the specific indicators of Bank A to make a comprehensive evaluation,so as to draw the conclusions of this study,put forward suggestions for improvement,and look forward to future research.Through the above research,this paper concludes that the implementation of the national housing loan policy by Bank A is excellent(A grade),which shows that the work done by Bank A in the housing loan policy is reasonable and effective.The implementation of the current housing loan policy by Bank A meets the objectives and requirements of the policy of de-inventory in the third-and fourth-tier cities.However,due to the contradiction between the escalating financial and non-financial needs of customers and the lagging service and organizational capabilities of banks,the performance of Bank A in individual detailed indicators(such as organizational leadership,authenticity of housing loan data,public satisfaction)needs to be further improved.The main areas to be improved in this paper are as follows: in the selection of evaluation indicators and the determination of the importance of evaluation indicators,subjective judgment has a larger component,which needs further modification and improvement,and mainly concentrates on the implementation of commercial banks.Other subjects in the implementation link(such as local governments at all levels)have not been considered,and need to be gradually improved.