Research On Risk Prevention Of Personal Mortgage Loan In Mianyang Branch Of Postal Savings Bank

As the core of modern economic operation,banks are an important part of the national economy,and its importance is self-evident.Credit is an important source of bank income,and the smallest banks will also be as high as 50%.As an important part of credit,the proportion of personal mortgage loans is increasing year by year,and the growth rate is relatively obvious.With the growth of China's economy,house prices in domestic mega-and first-tier cities have soared.This situation has spread to third and fourth tier cities,once house prices fall will cause inestimable losses,and houses as a major part of bank collateral,its value determines the risk of bank mortgages,so the quality of assets The quality of the bank is not only related to the operating conditions of the bank,but also related to the quality of the national economic development.This paper takes Mianyang Branch of Postal savings Bank as the research object,combined with its own working experience,collects and analyzes the development data over the years,reads the real materials such as risk prompt documents,asset quality analysis notification,illegal punishment and so on,and analyzes the real reasons and effects behind the personal mortgage risk of Mianyang Branch of Postal savings Bank from different visual angles.First of all,this paper summarizes the concept,characteristics and classification of personal mortgage loan of Postal savings Bank,describes the current practice of Postal savings Bank in the aspect of risk,and refers to the domestic and foreign literature on the risk of personal mortgage loan.It is found that most of the research on bank risk is focused on theoretical analysis and case analysis,while the research of model in bank is less,and there is very little on the prevention and analysis of personal mortgage risk.Secondly,through summing up and analyzing the whole processing flow of personal mortgage business,the risk prevention system of personal mortgage loan and the screening means of risk prevention technology,this paper puts forward that the risk and consciousness concept of personal mortgage loan in Mianyang Branch of Postal savings Bank is not sufficient,the tools and technologies are not mature enough,and the internal control mechanism is not perfect.The quality of personnel needs to be strengthened and so on.Finally,by collecting the management data of personal mortgage loan of Mianyang Branch of Postal savings Bank,this paper analyzes the risk of personal mortgage loan of Mianyang Branch of Postal Reserve Bank by using RAROC model,and puts forward that we should strengthen the cultivation of talents and improve the awareness of risk prevention and control,speed up the development of business,reduce the deposit cost,improve the credit income,strengthen the risk management and control,and guard against the key risks.