Research On Risk Control Of Personal Housing Loan Of CCB A Branch

Since the 1990 s,with the continuous advancement of China’s urban housing system reform,the personal housing loan business has also ushered in rapid development.After more than 20 years of promotion and reform,the hidden dangers behind it have gradually emerged..In particular,in recent years,China’s Internet financial service platforms have sprung up,Alipay,We Chat,Ants,Jingdong,and other online lending channels,and the impact on the traditional banking industry is particularly prominent.The risk factors are also increasingly diversified and complicated.At this time,in order to better cope with the constant challenges of the new external environmental impact factors,in-depth research on the theory and exploration of personal housing loan risk management,innovative methods and ideas,and constantly improve China’s banking housing loan risk management system has become Work without delay.As the first-class bank established by the Construction Bank in the Northeast,it is one of the important branches of CCB.Since the CCB A branch launched its personal housing loan business in 2008,the proportion of housing loans and business scale has continued to expand.Today,the personal housing loan business is already the most important traditional business of CCB A Branch,and it is also prominent in various lines of business.However,the rapid growth brought about an increasingly complicated risk management situation.At this time,it is urgent to improve the risk management level of CCB A Branch.Only by continuously strengthening and improving the risk management system of the personal loan business can we be in complex and volatile conditions.Under the better response to the endless risk factors,the Bank’s A branch continued to develop steadily.In this paper,the basic data and default data samples involved in the personal housing loan business of CCB A Branch in the past ten years are mainly extracted.Through case analysis,data analysis and classification statistics,based on relevant theories of domestic and foreign scholars,such as comprehensive Risk management theory,loan value ratio theory,etc.,systematically analyze the management status and existing problems of credit risk,operational risk and market risk in the personal housing mortgage loan business of CCB A branch,from risk management Basic principles,risk management processes and mechanisms,and specific measures for risk management have proposed more constructive improvements and improvements,and to strengthen the risk-resistance and air defense system of A-branch to establish a more complete application system to ensure the health of the business.