Analysis On Risk Prevention Of Housing Mortgage Loan Business In Small Enterprises

Housing mortgage loan is a kind of consumer loan.It means that the borrower uses the property of the name(residential,commercial,villa,etc.)as collateral to apply for one-time or recurrent loans for consumption or commercial purposes.Housing mortgage loan has been carried out in banks very early.In recent years,it has been developed in consumer finance companies,online micro-loans,trust and micro-guarantee industries.However,the risk management of housing mortgage loan business in China is basically in its infancy,still in the process of exploring and advancing.It is still in the process of exploration and progress.So far,the bank's housing mortgage business has become more stringent and its scale has been tightened.The housing mortgage loan business of Internet micro-loan has been restricted.,and the sources of microfinance and guarantee funds are limited,which has led to a substantial increase in the volume of housing mortgage loan business of trust companies.This is an opportunity for China's trust companies to enter the consumer loan business.This paper takes the practice of A Trust Company as the research object,collects the related business volume of housing mortgage loan for small and micro enterprises,and indirectly studies the present situation and risks of housing mortgage loan for small and micro enterprises of trust company.This paper uses comparative analysis method to discuss the advantages and disadvantages of A Trust Company's operation of small and micro enterprises housing mortgage loan business and bank-related business,highlighting the risks of A Trust Company's small and micro enterprises' housing mortgage business.Finally,the paper puts forward corresponding preventive measures against these risks faced by A trust company's small and micro enterprises housing mortgage loan business.This article mainly carries on the risk analysis from three aspects.The first aspect is the market risk,which is mainly caused by the market-oriented interest rate in the financial market,resulting in the reduction of net interest margin,which brings the risk to the housing mortgage business of A trust company's small and micro enterprises.The second aspect is that the sharp decline in house prices in the real estate market will increase the risk of housing mortgage loans for small and microenterprises of A Trust Company.The third aspect is the risk faced by A Trust Company in the overall operation process of housing mortgage business for small and micro enterprises.This aspect is mainly analyzed and discussed from three aspects: pre-loan and post-loan,in which pre-loan mainly gives the suggestions of optimizing investigation technology and subdividing the industry;loan mainly gives the suggestions of establishing supervision system in loan;post-loan mainly gives the suggestions of establishing risk early warning system.