Research On Pre-Loan Risk Evaluation Of Personal Housing Loan Of Bank G

Risk assessment is an important link of risk management,which is the prior control of risk.However,for the development of business,banks focus on the post control of risk management in the actual work operation,which is easy to cause the expansion of risk exposure and the formation of losses.Through the research on the pre-loan risk assessment of individual housing loans,the paper establishes an effective risk assessment model,which is conducive to improving the asset quality of banks.Based on the theory of financial risk measurement,case analysis,chromatography analysis and confirmatory test are used for research and analysis.The research shows that: first,there are three problems in G Bank’s personal housing loan business before loan: limited management of cooperative institutions,inaccurate identification of borrowers,internal management focusing on development rather than risk,and two reasons for the problems: insufficient scientific credit evaluation and business operation anomy.Secondly,the analytic hierarchy process is used to build a risk rating system and determine 11 risk factors.Among them,the debt-service ratio of borrower’s household income and credit investigation situation have the largest weight,while whether the real estate company opens a supervision account and the reputation in the banking industry have less weight.Finally,taking the historical data of Bank G as a sample,it is proved that the risk assessment model is effective after verification.Based on the above research,suggestions are put forward for the development of G Bank’s personal housing loan business in three aspects: inter-bank information sharing,standardized use of credit report and whole-process performance assessment.