Research On Risk Management Of Individual Housing Loan Of Agricultural Bank S Branch

Personal housing mortgage loans have a wide range of customer groups,high returns,low risk and other advantages,as a high-quality bank assets,has always occupied an important share of the bank’s assets,but at the same time,personal mortgage loans have a long time span,vulnerable to national policies,economic environment,for domestic commercial banks,personal housing mortgage loans risk management has not been perfect,there are still certain risk potential.In recent years,the central government has been emphasizing "housing is not speculative",China’s regulatory authorities continue to strengthen supervision of the real estate industry,and the credit policy of the financial system on the real estate industry has become increasingly strict,along with the emergence of the new crown epidemic,personal loan customers are also facing a decline in income,and the risk of personal mortgage loans is also emerging.2018 to Between 2021,the personal housing loan balance of Agricultural Bank S Branch grew from 3.6 billion yuan to 7.9 billion yuan,and then fell back to 7.3 billion yuan in 2022,and the non-performing balance rate kept climbing,and there were still many problems in the management of personal housing loans due to its large loan size.This paper takes branch S of Agricultural Bank as the research object,combines its actual operation data and management measures in the past five years,and uses the literature analysis method,case study method and questionnaire survey method to conduct a more comprehensive analysis and evaluation of branch S of Agricultural Bank.From the full text,this paper first briefly introduces the concepts and main risk classifications of personal housing loans,focusing on the theory of comprehensive risk management and the theory of information asymmetry,followed by an analysis of the current situation of personal housing loan business in Sub-branch S of Agricultural Bank,a detailed review of its current risk management system,organizational structure of risk management and risk management process,and an analysis of the current credit risk,market risk and operational risk performance of Sub-branch S of Agricultural Bank.The current credit risk performance,market risk performance and operational risk performance of Sub-branch S of Agricultural Bank are analyzed.These existing problems are analyzed from the perspectives of risk identification,risk assessment and risk control,and the main reasons for their existence are the imperfect credit system,weak risk awareness and risk control awareness of credit business personnel,and unfavorable collateral control,etc.In-depth excavation is conducted to address the problems and the reasons for their creation,and corresponding measures are proposed from the perspectives of risk identification,risk assessment and risk control.Optimization measures.In order to guarantee the implementation of the optimization policy,this paper proposes three safeguards,establishing a good credit culture and staff compliance awareness,optimizing the organizational structure and team building of personal loans,and improving the system related to personal loan risk management,as a way to improve the level of risk management in personal housing loan business in Sub-branch S of Agricultural Bank.