Research On The Risk Management Of Personal Housing Loan Business Of China Construction Bank SL Branch

With the continuous development of my country’s personal housing loan business and the relative improvement of the risk management system,risk control has become a core issue in the banking and financial industries.In the current financial market environment,how to effectively identify and control personal housing loan business risks is an issue that cannot be ignored in the development of personal housing loan business.At present,there is a problem of irregular risk management in the development of personal housing loan business.In addition,the bubble in my country’s real estate industry has also caused many hidden dangers in the risk management of the personal housing loan business of the SL branch of China Construction Bank.Defaults of the personal housing loan business of the SL branch of China Construction Bank have occurred from time to time,the amount of default has been increasing,and the emergence of a large number of non-performing loans has seriously restricted the orderly development of banking business.This paper analyzes the current situation of risk management of personal housing loan business in SL branch of Construction Bank of China by using risk management theory,combining its own business characteristics and the current situation of risk management of personal housing loan business,and using a combination of theory and practice.Further,the basic situation of risk management of personal housing loan business of Construction Bank SL Branch is analyzed in terms of pre-lending investigation,examination and approval during lending,and post-lending risk management of personal housing credit business.The evaluation index system is established for the main risks of personal housing loan business of CCB SL branch,and the hierarchical analysis method and fuzzy comprehensive evaluation method are applied to evaluate them.Then,starting from the aspects of risk management awareness,credit risk,liquidity risk,operational risk,and market risk management,suggestions are put forward to strengthen the risk management of personal housing credit business,hoping to provide some reference and help for the We hope to provide some reference and help for the future development of personal housing loan business of CCB SL branch...